Public Charity

GARDEN STATE CONSUMER CREDIT COUNSELING INC

GARDEN STATE CONSUMER CREDIT COUNSELING INC is a nonprofit organization categorized as Public Charity based in MANALAPAN, NJ. Its most recent IRS filing (2024) reports revenue of $16.8M, expenses of $16.4M, total assets of $11.9M. Imperigo tracks 19 reported grant relationships connected to this organization totaling approximately $4.3M.

EIN: 223120920 MANALAPAN, NJ Financial Counseling NTEE: P51 Latest filing: 2024
Total Revenue$16.8M
Total Expenses$16.4M
Total Assets$11.9M
Grant Records19
Funding Total$4.3M
Filing Years2020–2024

Mission

The primary focus of Garden State Consumer Credit Counseling, Inc. ("Navicore Solutions"), a non-profit organization, is to strengthen the well-being of individuals and families through education, guidance, advocacy, and support. Our most significant activities include housing counseling, credit counseling, bankruptcy counseling, financial education, and other outreach programs. Finally, for those individuals who qualify, the company provides a debt management program.

Where $100 goes at Garden State Consumer Credit Counseling Inc

How Garden State Consumer Credit Counseling Inc divides every $100 it spends, from its own Form 990 filings, averaged across 8 years.

$86 Programs the work itself
$13 Management running the organization
$1 Fundraising raising the next dollar

Inside the $86 for programs

$38
Debt Management Program (DMP)The DMP is a consolidation and repayment plan for unsecured debt that may include concessions from creditors such as reduced interest rates and the elimination…
44% of program spending
$34
Financial Counseling and Education:Personal Financial CounselingConsumers who seek assistance are connected with a certified counselor, who offers personalized guidance tailored to their unique financial circumstances
40% of program spending
$9
Housing CounselingAs a HUD-approved National Intermediary, the Organization offers a range of housing counseling services, including Pre-Purchase, Rental, Default/Foreclosure, HECM Default, and HECM Counseling
11% of program spending

Plus 2 more programs. Cost per person served and the full program breakdown are on the full profile.

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Source: Form 990 filings with the IRS, latest fiscal year 2024. Shares are from the organization's reported expenses. Data by Imperigo; not affiliated with the IRS.

Sample Grants Received

2024
PILOT IMPLEMENTATION AND DATA TRACKING
$30,000
2024
SUPPORT FOR HOUSING, CREDIT AND OTHER FINANCIAL COUNSELING
$27,423
$779,256
2023
SUPPORT FOR HOUSING, CREDIT AND OTHER FINANCIAL COUNSELING
$271,231
2023
SUPPORTIVE HOUSING SERVICES (HOUSING COUNSELING)
$25,000

Showing up to 5 of 19 total records — full history available with membership.

Officers & Directors

Sr Software Engine Bruce Cameron
Sr.Business Sys An Chip Fichot
Trustee Deborah Figart
Trustee Diane Daley
COO Diane Gray
Trustee Donell Young

Officer compensation and complete director data available with membership.

Top Grant Purposes

General Support
$2,986,846 3 grants
Education
$681,157 5 grants
Mental Health & Substance Abuse
$553,955 6 grants
Training & Professional Development
$27,500 1 grant
Unspecified
$81,750 4 grants

Financial Trends

Year Revenue Expenses Assets
2024 $16.8M $16.4M $11.9M
2023 $15.1M $14.9M $13.8M
2022 $14.1M $13.5M $14.5M
2021 $14.8M $12.6M $15.4M
2020 $12.0M $11.5M $13.5M

Between 2020 and 2024, reported annual revenue grew from $12.0M to $16.8M (+40%), with total assets most recently reported at $11.9M.

Interactive year-over-year charts and full filing details available with membership.

See the full picture for GARDEN STATE CONSUMER CREDIT COUNSELING INC

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