Consumer bankruptcy education

501(c)(3) charity; gifts are tax-deductible.
79¢ of each $1 spent went to programs.
$137K paid to officers and key staff.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX · Pay: Part VII

Before you give

FY2020 · Form 990Independent: from IRS data, not the org
Download 990
IRS status
501(c)(3)
not on the IRS revocation list
Looks good: listed by the IRS and not on the revocation list.
IRS BMF · Auto-Revocation List
Tax-deductible gifts
Yes
Donations are tax-deductible
Looks good: the IRS lists gifts to it as deductible.
IRS Pub. 78 · IRS BMF
Latest return
FY2024
latest Form 990
Looks good: the latest return is for FY2024, 2 tax years back; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
5 of 5
filings with a surplus
Average surplus $40K a year · 15% of revenue · last 5 filings
Looks good: a surplus in 5 of the last 5 filings.
Pt I · Ln 19 · 5 filings
Spent on programs
79%
of spending
Looks good: 79% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$137K
to officers and key staff · 84% of spending
Concern: pay to officers and key staff is 84% of spending; over 30%.
Pt VII · Sec A
26 mo
of spending, in cash
Looks good: 25.6 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Named funders
1
named funder · $15K
Fine: 1 funder names it on their filings; under 3.
Funders’ Sch. I, 990-PF
Liabilities
$33K
10% of total assets
Looks good: liabilities are 10% of assets; 50% or less.
Pt X · Ln 26
Independent board members
24
of 24 voting members
Looks good: 24 of 24 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$198K
Spent
$162K
To programs
79%
Net assets
$313K
By yearFY2020–FY2024
Revenue
$198K
FY2020
Tap a bar for its year
Revenue by fiscal year
FY2020$198K
FY2021$229K
FY2022$254K
FY2023$360K
FY2024$304K
Expenses
$162K
FY2020
Tap a bar for its year
Expenses by fiscal year
FY2020$162K
FY2021$211K
FY2022$221K
FY2023$275K
FY2024$274K
Net assets
$313K
FY2020
Tap a bar for its year
Net assets by fiscal year
FY2020$313K
FY2021$266K
FY2022$299K
FY2023$384K
FY2024$413K

From the FY2020 Form 990 · see the original

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You’re viewing the FY2020 filing — not the latest on file. See the latest (FY2024) →

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2024. IRS ruling in Dec 2000.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Where the money goes

79 cents of each dollar spent went to programs.

Program services 79% · $129K Management & general 21% · $34K

Form 990 Part IX, line 25, columns B–D. Every line is in By the numbers.

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Who runs it and what they're paid

24 people listed on the 990; $137K paid to officers and key staff.

Part VII, Section A · reportable compensation
Executive Director
$137,102Pt VII · Sec A
$0Pt VII · Sec A
Vice President
$0Pt VII · Sec A
$0Pt VII · Sec A
Director
$0Pt VII · Sec A
Director
$0Pt VII · Sec A
President
$0Pt VII · Sec A
$0Pt VII · Sec A

Tony Leahy’s $185K as Executive Director is at the 99th percentile of top reported officer pay among 2168 $100K–1M human services nonprofits. Peer set: organizations in the same NTEE major field of work and revenue-size band, compared on each org’s own highest-paid officer/key-employee, from Form 990 Part VII / 990-PF Part VIII. Descriptive placement, not a verdict on whether the pay is appropriate.

Compensation history total reportable pay by year · 1 named individual · Part VII

NameFY2024FY2023FY2022FY2021FY2020
Tony Leahy$185,000$165,000$155,000$161,517$137,102

Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.

See Consumer Education and Training Services executive salaries →

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Questions the 990 asks

The form asks each of these directly. These are the filed answers.

  • Family or business ties among officersPt VI · Ln 2No
  • Top official's pay set by an independent reviewPt VI · Ln 15aYes

Programs and updates

Educates seniors to identify and avoid scams through presentations, videos, and articles, often partnering with state officials.

Questions for Consumer Education and Training Services

Tap to ask. Consumer Education and Training Services sees how many people are interested.

Your first name shows with your question. Consumer Education and Training Services answers here, for everyone.

Provided by the organization

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3 programs · $93K · in their own filed words · FY2020
01

Debt Slapped. Debt-slapped helps high school students obtain critical information so theyt can make informed decisions about postsecondary education or training. CENTS presented 36 Debt-slapped presentaions to high schools throughout Washington. CENTS also completed the design of a new 11 lesson cirriculum.

$56Kprogram expense
02

National Cancer Comprehensive Network Research Study NCCN. CENTS participated in a study with the Fred Hutchinson Cancer Research Center. The study is a randomized pilot study of proactive functional navigation intervention in patients with newly diagnosed gastric and gastroesophageal junction adenocarcinoma.

$23Kprogram expense
03

Senior Money. Senior Money helps senior citizens identify and avoid scams. CENTS made 12 Senioir Money presentations throughout Washington. It also wrote six articles for newsletters of various senior centers.

$13Kprogram expense

Funders

Who pays for it.

From grant filings on record. Receipts are incomplete: individual donors are never listed.

Grants

Schedule I · funders on record
Grants received · FY2025
Total grants receivedfrom 1 funder$15K

By the numbers

The FY2020 990, line by line.

1The main four
Money inPt VIII
$198K
Ln 12
Gifts and grantsLn 1h$198K
Investment incomeLn 3$97
Money outPt IX
$162K
Ln 25
Programscol B$129K
Managementcol C$34K
Owns and owesPt X
$313K
net assets · Ln 32
Cash and savingsLn 1–2$347K
Total assetsLn 16$347K
LiabilitiesLn 26$33K
PeoplePt VI, VII
24
listed · VII A
PaidVII A1
Voting boardVI 1a24
IndependentVI 1b24
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$198K
Government grantsLn 1e$146K
Investment incomeLn 3$97
Total revenueLn 12$198K
Assets in detailPt X, end of year
CashLn 1$221K
SavingsLn 2$125K
Cash and savings togetherLn 1–2$347K
Total assetsLn 16$347K
LiabilitiesLn 26$33K
Net assetsLn 32$313K
OperationsPt I, VI
EmployeesI 52
Fiscal year endsHeaderDecember
Conflict-of-interest policyVI 12aNo
Whistleblower policyVI 13No
Records policyVI 14No
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY20End FY20
Cash and savingsLn 1–2$277K$347K
Total assetsLn 16$277K$347K
LiabilitiesLn 26$0$33K
Net assetsLn 32$277K$313K
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Grants to domestic organizationsLn 1$0
Grants to domestic individualsLn 2$0
Grants and assistance to foreign recipientsLn 3$0
Benefits paid to or for membersLn 4$0
Pay of current officers, directors and key staffLn 5$137K$119K$18K
Pay of disqualified personsLn 6$0
Other salaries and wagesLn 7$0
Pension plan contributionsLn 8$0
Other employee benefitsLn 9$0
Payroll taxesLn 10$0
Management feesLn 11a$0
Legal feesLn 11b$0
Accounting feesLn 11c$4K$4K
Lobbying feesLn 11d$0
Investment management feesLn 11f$0
Other fees for servicesLn 11g$2K$440$2K
Advertising and promotionLn 12$0
Office expensesLn 13$0
Information technologyLn 14$0
RoyaltiesLn 15$0
OccupancyLn 16$0
TravelLn 17$0
Travel and entertainment for public officialsLn 18$0
Conferences, conventions and meetingsLn 19$0
InterestLn 20$0
Payments to affiliatesLn 21$0
Depreciation, depletion and amortizationLn 22$0
InsuranceLn 23$0
Other expenses (24a–d)Ln 24$16K$9K$7K
All other expensesLn 24e$3K$3K
Total functional expensesLn 25$162K$129K$34K$0

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2024 Latest $304K$274K$29K$413K 990 PDF
FY2023 $360K$275K$84K$384K 990 PDF
FY2022 $254K$221K$33K$299K 990 PDF
FY2021 $229K$211K$18K$266K 990 PDF
FY2020 Viewing $198K$162K$36K$313K 990 PDF

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Schedules filed Part IV

III · Programs R · Related orgs G · Fundraising L · Interested persons I · Grants A · Public support O · Explanations
See the full FY2020 990 (6 parts)
Part I · Summary $198,195 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $197,520$198,098
I-9 Program service revenue$0
I-10 Investment incomePrior year $302$97
I-11 Other revenuePrior year $17,883$0
I-12 Total revenuePrior year $215,705$198,195
I-13 Grants and similar amounts paid$0
I-14 Benefits paid to members$0
I-15 Salaries and benefitsPrior year $166,935$137,103
I-16a Professional fundraising fees$0
I-17 Other expensesPrior year $24,853$25,331
I-18 Total expensesPrior year $191,788$162,434
I-19 Revenue less expensesPrior year $23,917$35,761
Part VI · Governance 24 of 24 board members independent, 3 to look at
VI-1a Voting members of the governing body24
VI-1b Independent voting members24
VI-12a Written conflict of interest policyNo
VI-13 Written whistleblower policyNo
VI-14 Document retention and destruction policyNo
VI-2 Family or business relationship among officers or directorsNo
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $198,195 across 5 lines filed
VIII-1e Government grants$145,717
VIII-1f All other contributions, gifts and grants$52,381
VIII-1h Total contributions, gifts and grants$198,098
VIII-3 Investment income$97
VIII-12 Total revenue$198,195
Part IX · Statement of functional expenses $162,434 across 30 lines filed
IX-1 Grants to domestic organizations$0
IX-2 Grants to domestic individuals$0
IX-3 Grants and assistance to foreign recipients$0
IX-4 Benefits paid to or for members$0
IX-5 Pay of current officers, directors and key staffPrograms $119,416 · Management $17,687$137,103
IX-6 Pay of disqualified persons$0
IX-7 Other salaries and wages$0
IX-8 Pension plan contributions$0
IX-9 Other employee benefits$0
IX-10 Payroll taxes$0
IX-11a Management fees$0
IX-11b Legal fees$0
IX-11c Accounting feesManagement $3,600$3,600
IX-11d Lobbying fees$0
IX-11f Investment management fees$0
IX-11g Other fees for servicesPrograms $440 · Management $1,692$2,132
IX-12 Advertising and promotion$0
IX-13 Office expenses$0
IX-14 Information technology$0
IX-15 Royalties$0
IX-16 Occupancy$0
IX-17 Travel$0
IX-18 Travel and entertainment for public officials$0
IX-19 Conferences, conventions and meetings$0
IX-20 Interest$0
IX-21 Payments to affiliates$0
IX-22 Depreciation, depletion and amortization$0
IX-23 Insurance$0
IX-24 Other expenses (24a–d)Programs $8,916 · Management $7,264$16,180
IX-24e All other expensesManagement $3,419$3,419
IX-25 Total functional expensesPrograms $128,772 · Management $33,662 · Fundraising $0$162,434
Part X · Balance sheet $346,560 assets, 8 lines filed
X-1 Cash, non-interest-bearingStart of year $151,195$221,168
X-2 Savings and temporary cash investmentsStart of year $126,112$125,392
X-16 Total assetsStart of year $277,307$346,560
X-17 Accounts payable and accrued expenses$277
X-24 Unsecured notes and loans payable$33,215
X-26 Total liabilitiesStart of year $0$33,492
X-32 Total net assets or fund balancesStart of year $277,307$313,068
X-33 Total liabilities and net assetsStart of year $277,307$346,560
Part XI · Reconciliation of net assets $313,068 net assets at year end
XI-1 Total revenue$198,195
XI-2 Total expenses$162,434
XI-3 Revenue less expenses$35,761
XI-4 Net assets at start of year$277,307
XI-10 Net assets at end of year$313,068

Form 990 e-file (XML) FY2020 from the IRS · Classification, formation year and address from the IRS Business Master File

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