AMERICAN CONSUMER CREDIT COUNSELING INC Charity Report

Public IRS 990 nonprofit record

AMERICAN CONSUMER CREDIT COUNSELING INC

EIN 04-3166982 · Financial Counseling (P51)

What they do

SEE ATTACHMENT PAGE 1 & 2

Before you give

Should I give to this charity?

Easy charity check

Look at where the money went

Of every $100 spent, about $80.40 was reported for mission work. Use the spending picture below and ask what results that work produced.

Plain answer: A tax form cannot prove that a charity is doing good. It can show how the charity says it spent its money—and point out questions you should ask.

Basic facts we verified

IRS warning checkNo IRS revocation warning appears in this data.

Money report from 2025The charity has a recent tax report to read.

They explain their jobThe explanation is very short. Ask what work they really do.

They name their leaders18 people are listed in the latest report.

You can reach themThey list contact information, so you can ask questions.

Money made simple

63.76%of revenue went to mission work80.4% of expenses · Program services

$79.29spent for every $100 of revenueRevenue covered expenses this year.

15.53%of revenue went to management and office costs19.6% of expenses

$1.41in assets for every $1 spent this yearSome assets cannot be spent right away.

10.5%of its money came from giftsOther money may come from services or investments.

Ask these three easy questions

Who did you help? Ask for a recent story or report that shows real results.
What will my money do? Ask exactly what your gift will pay for.
Is this really the charity? Give only through its official website or confirmed phone number.

Pay context: The highest compensation shown in this filing is $427,832 for ALLEN AMADIN (PRESIDENT &). Compare pay with organizations of similar size and complexity.

Bottom line: Do not decide from a name, mission statement, or tax status alone. Look at where the money went, then ask what changed, who was helped, and what your gift will do. YouCanGiveBack does not endorse or grade organizations.

Money

Financial picture

Tax year 2025

A plain-language look at the latest Form 990 figures available. These numbers help you ask better questions; they do not, by themselves, rate whether a charity is good or bad.

$100revenue

How each $100 of revenue was used

The large number compares each expense with revenue. The smaller number shows its share of total expenses.

Total reported revenue$23,610,031

Mission workProgram services$15,053,56663.76% of revenue80.4% of expenses

ManagementOffice and general costs$3,666,59715.53% of revenue19.6% of expenses

FundraisingAsking for donations0.00% of revenue0.0% of expenses

Revenue left after expensesReported annual surplus$4,889,86820.71% of revenueShown in gray on the chart

Total expenses$18,720,16379.29% of revenue

Gray means reported revenue left after expenses for this filing year. It does not necessarily mean cash sitting in a bank account.

Has the pattern changed?

Colored bars = expense mix: how each year’s expenses were divided. Total expenses vs. revenue shows whether the charity spent less or more than it received. The current filing is first.

YearExpense mixDetails

2025CurrentExpense mix: 80.4% mission · 19.6% management · 0.0% fundraisingTotal expenses: 79.29% of revenue

2024Expense mix: 81.8% mission · 18.2% management · 0.0% fundraisingTotal expenses: 90.62% of revenue

2023Expense mix: 80.6% mission · 19.4% management · 0.0% fundraisingTotal expenses: 93.09% of revenue

2022Expense mix: 78.3% mission · 21.7% management · 0.0% fundraisingTotal expenses: 105.36% of revenue

2021Expense mix: 72.0% mission · 28.0% management · 0.0% fundraisingTotal expenses: 81.57% of revenue

2020Expense mix: 70.2% mission · 29.8% management · 0.0% fundraisingTotal expenses: 94.69% of revenue

Money in and money out

Revenue$23,610,031

Expenses$18,720,163

Annual surplus $4,889,868 Revenue was higher than expenses for this filing year.

Reported spending amounts

Mission work means the Form 990 category called program services. These are reported accounting categories—not an independent measurement of results.

Mission work (program services)$15,053,566 · 80.4% of expenses

Management and office costs$3,666,597 · 19.6% of expenses

See all reported dollar amounts

Revenue$23,610,031

Expenses$18,720,163

Assets$26,311,974

Income$23,610,031

Contributions$2,486,114

Mission work (program services)$15,053,566

Management and general$3,666,597

Executive compensation (total)$1,129,316

Stocks and bonds$16,439,593

Accounting fees$31,303

Investing fees$49,740

People

Leadership and board

Tax year 2025

Names, titles, time, and compensation below are reported by the organization on its Form 990.

People reported as paid

Person and titleCompensation

ALLEN AMADINPRESIDENT & · 40 hrs/week $427,832Base $421,355 · Other $6,477

TRACEY R MACOMBERVP GOVERNANC · 40 hrs/week $246,571Base $241,656 · Other $4,915

KATHERINE H ROSSEXECUTIVE VP · 40 hrs/week $226,970Base $221,276 · Other $5,694

PAUL GLOVERSENIOR SOFTW · 40 hrs/week $184,279Base $180,636 · Other $3,643

DANIEL TURNERDIRECTOR OF · 40 hrs/week $177,557

KENNETH MOHAMMEDCOUNSELING M · 40 hrs/week $151,246Base $148,651 · Other $2,595

SARAH HARRINGTONMGR HUMAN RE · 40 hrs/week $147,387Base $144,352 · Other $3,035

ASHLEY FISHERMGR IT · 40 hrs/week $137,679Base $134,845 · Other $2,834

DONNA M CONLEYVP & CLERK · 1 hrs/week $132,017Base $129,411 · Other $2,606

JOSEPH STASIODIRECTOR · 1 hrs/week $2,250

JOHN L SERGIDIRECTOR · 1 hrs/week $2,250

JAMES CURRIEDIRECTOR · 1 hrs/week $2,250

Compensation alone does not tell whether pay is reasonable. Consider the charity’s size, work, location, and results.

See everyone listed on the board or leadership roster (18)

ALLEN AMADINPRESIDENT &

TRACEY R MACOMBERVP GOVERNANC

KATHERINE H ROSSEXECUTIVE VP

PAUL GLOVERSENIOR SOFTW

DANIEL TURNERDIRECTOR OF

KENNETH MOHAMMEDCOUNSELING M

SARAH HARRINGTONMGR HUMAN RE

ASHLEY FISHERMGR IT

DONNA M CONLEYVP & CLERK

JOSEPH STASIODIRECTOR

JOHN L SERGIDIRECTOR

JAMES CURRIEDIRECTOR

LILIAN ROJASDIRECTOR

MARY PAPAZIANDIRECTOR

MATTHEW PARADISEDIRECTOR

GARRETT SCHUBERTDIRECTOR

DONALD FRADETTEDIRECTOR

ZEPUR KAHWAJIANDIRECTOR

About this charity

Recognized since: January 1994
Location: 130 RUMFORD AVE STE 202, AUBURNDALE, MA 02466-1370
County: Middlesex
In care of: % ALLEN I AMADIN
Primary officer: ALLEN AMADIN, PRESIDENT & CEO

How to reach them

WebsiteVisit the charity’s website Emailclientservices@consumercredit.com Phone(617) 559-5700

Filing and classification

Latest tax year: 2025
Tax period began: January 1, 2025
Return type: 990
Tax preparer: DAVID J CLEARY CPA INC
NTEE classification: Financial Counseling (P51)
IRS tax category: Financial Counseling