TY 2014 Form 990

(A) Name and Title	(B) Average hours per week (list any hours for related organizations below dotted line)	(C) Position (do not check more than one box, unless person is both an officer and a director/trustee)	(E) Reportable compensation from related organizations (W- 2/1099-MISC)
(1) Ralph Perales........................................................................ Director	1.00 .......................	X
(2) Rob Eison........................................................................ Director	1.00 .......................	X
(3) Kevin Greiner........................................................................ Director	1.00 .......................	X
(4) Larry Hoskins........................................................................ Treasurer	1.00 .......................	X	X
(5) Charles Bruen........................................................................ Vice-Chairman	1.00 .......................	X	X
(6) Carolyn Alford........................................................................ Director	1.00 .......................	X
(7) Albert Young........................................................................ Secretary	1.00 .......................	X	X
(8) David Rubinger........................................................................ Director	1.00 .......................	X
(9) Glenn T Austin Jr........................................................................ Chairman	1.00 .......................	X	X
(10) Joe Griffin........................................................................ Director	1.00 .......................	X
(11) H Stanley Muir III........................................................................ Director	1.00 .......................	X
(12) Keith Browning........................................................................ Director	1.00 .......................	X
(13) Dwight Prevo........................................................................ Director	1.00 .......................	X
(14) Ann Stahl........................................................................ Director	1.00 .......................	X
(15) Loren Kranz........................................................................ Director	1.00 .......................	X
(16) Diane Williams........................................................................ Director	1.00 .......................	X
(17) Frank Fabiano........................................................................ Director	1.00 .......................	X

(A) Name and Title	(B) Average hours per week (list any hours for related organizations below dotted line)	(C) Position (do not check more than one box, unless person is both an officer and a director/trustee)	(E) Reportable compensation from related organizations (W- 2/1099-MISC)	(F) Estimated amount of other compensation from the organization and related organizations
(18) Scott Bohrer........................................................................ Director	1.00 .......................	X					0	0
(19) Chad Zimmerman........................................................................ Director	1.00 .......................	X					0	0
(20) Tracy Ryan........................................................................ Director	1.00 .......................	X					0	0
(21) Greg McBride........................................................................ Director	1.00 .......................	X					0	0
(22) Catherine Gamble........................................................................ Director	1.00 .......................	X					0	0
(23) Melinda Hancock........................................................................ Director	1.00 .......................	X					0	0
(24) Warren Clark........................................................................ Director	1.00 .......................	X					0	0
(25) Gene Fitz........................................................................ CFO	40.00 .......................		X				185,760	24,684
(26) Dorris Shelton Gulley........................................................................ CFO	40.00 .......................		X				209,773	8,891
(27) Christopher Honenberger........................................................................ President & CEO	40.00 .......................		X				311,311	505,808
(28) James Craig........................................................................ Exec VP & COO	40.00 .......................		X				245,000	12,787
(29) Michelle Jones........................................................................ SVP Counseling	40.00 .......................			X			205,876	33,883
(30) Michele Pearce........................................................................ Sr. VP of Development & Community Outreach	40.00 .......................				X		166,545	8,755
(31) Martha Lucey........................................................................ Chief Education Officer SVP	40.00 .......................				X		145,813	6,150
(32) Rayner Pennie........................................................................ Vice President of Business Development	40.00 .......................				X		136,806	12,065
(33) Sheri B Foster........................................................................ Director of Human Resources	40.00 .......................				X		123,938	19,290
(34) Barry Coleman........................................................................ Vice President of Counseling	40.00 .......................				X		121,901	9,543
(35) Phillip N Baldwin........................................................................ Former President & CEO	40.00 .......................					X	35,308	0

(A) Name and business address	(B) Description of services	(C) Compensation
YPM Inc 18400 Von Karman Ave Suite 200 Irvine,CA92612	Online Advertising	406,147
Media Connection 10 Cross Ridge Road Pittsford,NY14534	Digital Marketing	340,060
Systems Software & Consulting 2510 Marthagem Court Lawrenceville,GA30043	Software Development & Support	221,216
Innovative Architect c/o Megan Grabowski 3122 Hill St Duluth,GA30096	IT Architect	146,804
The Nugent Group, PO Box 8120 Atlanta,GA31106	Telecommunication Consulting	126,665
2 Total number of independent contractors (including but not limited to those listed above) who received more than $100,000 of compensation from the organization 8

Do not include amounts reported on lines 6b, 7b, 8b, 9b, and 10b of Part VIII.	(A) Total expenses	(B) Program service expenses	(C) Management and general expenses	(D) Fundraising expenses
1	Grants and other assistance to domestic organizations and domestic governments. See Part IV, line 21 ....
2	Grants and other assistance to domestic individuals. See Part IV, line 22 ....
3	Grants and other assistance to foreign organizations, foreign governments, and foreign individuals. See Part IV, lines 15 and 16 ............
4	Benefits paid to or for members ....
5	Compensation of current officers, directors, trustees, and key employees ....	1,860,987	833,330	983,398	44,259
6	Compensation not included above, to disqualified persons (as defined under section 4958(f)(1)) and persons described in section 4958(c)(3)(B) ....
7	Other salaries and wages ....	17,452,793	14,823,725	1,540,495	1,088,573
8	Pension plan accruals and contributions (include section 401(k) and 403(b) employer contributions) ....	366,203	335,683		30,520
9	Other employee benefits .......	1,954,456	1,794,833	100,213	59,410
10	Payroll taxes ...........	1,413,763	1,163,390	171,820	78,553
11	Fees for services (non-employees):
a	Management ......
b	Legal .........	108,822	41,016	67,806
c	Accounting ...........	78,960		78,960
d	Lobbying ...........	5,460	5,460
e	Professional fundraising services. See Part IV, line 17
f	Investment management fees ......	77,076		77,076
g	Other (If line 11g amount exceeds 10% of line 25, column (A) amount, list line 11g expenses on Schedule O) ....	1,830,363	1,498,337	324,272	7,754
12	Advertising and promotion ....	1,989,846	1,965,325		24,521
13	Office expenses .......	2,459,554	1,867,392	565,728	26,434
14	Information technology ......	1,153,346	864,088	278,454	10,804
15	Royalties ..
16	Occupancy ...........	3,133,223	2,668,712	326,165	138,346
17	Travel ............	414,381	268,416	78,243	67,722
18	Payments of travel or entertainment expenses for any federal, state, or local public officials ......
19	Conferences, conventions, and meetings ....	167,657	29,525	122,624	15,508
20	Interest ...........	35,543	8,886	26,657
21	Payments to affiliates .......
22	Depreciation, depletion, and amortization .....	1,546,868	872,718	665,719	8,431
23	Insurance ..............	449,672	6,081	443,591
24	Other expenses. Itemize expenses not covered above (List miscellaneous expenses in line 24e. If line 24e amount exceeds 10% of line 25, column (A) amount, list line 24e expenses on Schedule O.)
a	Bank Charges	338,458	267,513	70,945
b	Dues and Subscriptions	333,508	179,250	147,386	6,872
c	Repair & Maintenance	79,177	9,603	69,574	0
d	Taxes	76,434	24,771	51,663
e	All other expenses	182,113	97,848	74,200	10,065
25	Total functional expenses. Add lines 1 through 24e	37,508,663	29,625,902	6,264,989	1,617,772
26	Joint costs. Complete this line only if the organization reported in column (B) joint costs from a combined educational campaign and fundraising solicitation. Check here if following SOP 98-2 (ASC 958-720).

Part X Balance Sheet Check if Schedule O contains a response or note to any line in this Part X ..............
	1	Cash–non-interest-bearing .............	2,675,172	1	3,119,654
2	Savings and temporary cash investments .........	898,134	2	1,085,199
3	Pledges and grants receivable, net ...........	1,365,909	3	1,729,419
4	Accounts receivable, net .............	123,538	4	76,842
5	Loans and other receivables from current and former officers, directors, trustees, key employees, and highest compensated employees. Complete Part II of Schedule L ..................
			5
6	Loans and other receivables from other disqualified persons (as defined under section 4958(f)(1)), persons described in section 4958(c)(3)(B), and contributing employers and sponsoring organizations of section 501(c)(9) voluntary employees' beneficiary organizations (see instructions) Complete Part II of Schedule L
			6
7	Notes and loans receivable, net .............		7
8	Inventories for sale or use ..............	1,054	8	0
9	Prepaid expenses and deferred charges ..........	955,795	9	826,694
10a	Land, buildings, and equipment: cost or other basis. Complete Part VI of Schedule D	10a	14,662,559
b	Less: accumulated depreciation .....	10b	11,266,866	4,850,469	10c	3,395,693
11	Investments—publicly traded securities ..........	20,000,912	11	15,773,708
12	Investments—other securities. See Part IV, line 11 .....		12
13	Investments—program-related. See Part IV, line 11 .....		13
14	Intangible assets ...............		14
15	Other assets. See Part IV, line 11 ...........	456,743	15	398,743
16	Total assets. Add lines 1 through 15 (must equal line 34)......	31,327,726	16	26,405,952
	17	Accounts payable and accrued expenses .........	5,241,549	17	4,762,916
18	Grants payable .................		18
19	Deferred revenue ................	331,613	19	2,378,281
20	Tax-exempt bond liabilities .............		20
21	Escrow or custodial account liability. Complete Part IV of Schedule D..	908,502	21	435,148
22	Loans and other payables to current and former officers, directors, trustees, key employees, highest compensated employees, and disqualified
	persons. Complete Part II of Schedule L..........		22
23	Secured mortgages and notes payable to unrelated third parties ..		23
24	Unsecured notes and loans payable to unrelated third parties ....		24
25	Other liabilities (including federal income tax, payables to related third parties, and other liabilities not included on lines 17-24). Complete Part X of Schedule D....................	0	25	2,732,137
26	Total liabilities. Add lines 17 through 25.........	6,481,664	26	10,308,482
		Organizations that follow SFAS 117 (ASC 958), check here and complete lines 27 through 29, and lines 33 and 34.
27	Unrestricted net assets ..............	22,866,431	27	15,074,342
28	Temporarily restricted net assets ...........	1,979,631	28	1,023,128
29	Permanently restricted net assets ...........		29
	Organizations that do not follow SFAS 117 (ASC 958), check here and complete lines 30 through 34.
30	Capital stock or trust principal, or current funds ........		30
31	Paid-in or capital surplus, or land, building or equipment fund .....		31
32	Retained earnings, endowment, accumulated income, or other funds		32
33	Total net assets or fund balances ...........	24,846,062	33	16,097,470
34	Total liabilities and net assets/fund balances ........	31,327,726	34	26,405,952

- TIN:

SCHEDULE A
(Form 990 or 990EZ)

Department of the Treasury
Internal Revenue Service

Public Charity Status and Public Support

Complete if the organization is a section 501(c)(3) organization or a section 4947(a)(1) nonexempt charitable trust.
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Attach to Form 990 or Form 990-EZ.
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Information about Schedule A (Form 990 or 990-EZ) and its instructions is at www.irs.gov/form990.

OMB No. 1545-0047

2014

Open to Public
Inspection

Name of the organization

Consumer Credit Counseling Service of
Greater Atlanta Inc

Employer identification number

58-0942924

Part I

Reason for Public Charity Status (All organizations must complete this part.) See instructions.

The organization is not a private foundation because it is: (For lines 1 through 11, check only one box.)

A church, convention of churches, or association of churches described in section 170(b)(1)(A)(i).

A school described in section 170(b)(1)(A)(ii). (Attach Schedule E.)

A hospital or a cooperative hospital service organization described in section 170(b)(1)(A)(iii).

A medical research organization operated in conjunction with a hospital described in section 170(b)(1)(A)(iii). Enter the hospital's name, city, and state:

An organization operated for the benefit of a college or university owned or operated by a governmental unit described in

section 170(b)(1)(A)(iv). (Complete Part II.)

A federal, state, or local government or governmental unit described in section 170(b)(1)(A)(v).

An organization that normally receives a substantial part of its support from a governmental unit or from the general public described in section 170(b)(1)(A)(vi). (Complete Part II.)

A community trust described in section 170(b)(1)(A)(vi). (Complete Part II.)

An organization that normally receives: (1) more than 331/3% of its support from contributions, membership fees, and gross

receipts from activities related to its exempt functions—subject to certain exceptions, and (2) no more than 331/3% of

its support from gross investment income and unrelated business taxable income (less section 511 tax) from businesses

acquired by the organization after June 30, 1975. See section 509(a)(2). (Complete Part III.)

An organization organized and operated exclusively to test for public safety. See section 509(a)(4).

An organization organized and operated exclusively for the benefit of, to perform the functions of, or to carry out the purposes of one or more publicly supported organizations described in section 509(a)(1) or section 509(a)(2). See section 509(a)(3). Check the box in lines 11a through 11d that describes the type of supporting organization and complete lines 11e, 11f, and 11g.

Type I. A supporting organization operated, supervised, or controlled by its supported organization(s), typically by giving the supported organization(s) the power to regularly appoint or elect a majority of the directors or trustees of the supporting organization. You must complete Part IV, Sections A and B.

Type II. A supporting organization supervised or controlled in connection with its supported organization(s), by having control or management of the supporting organization vested in the same persons that control or manage the supported organization(s). You must complete Part IV, Sections A and C.

Type III functionally integrated. A supporting organization operated in connection with, and functionally integrated with, its supported organization(s) (see instructions). You must complete Part IV, Sections A, D, and E.

Type III non-functionally integrated. A supporting organization operated in connection with its supported organization(s) that is not functionally integrated. The organization generally must satisfy a distribution requirement and an attentiveness requirement (see instructions). You must complete Part IV, Sections A and D, and Part V.

Check this box if the organization received a written determination from the IRS that it is a Type I, Type II, Type III functionally integrated, or Type III non-functionally integrated supporting organization.

Enter the number of supported organizations .............................

Provide the following information about the supported organization(s).

(i)Name of supported organization	(ii) EIN	(iv) Is the organization listed in your governing document?		(v) Amount of monetary support (see instructions)	(vi) Amount of other support (see instructions)
(i)Name of supported organization	(ii) EIN	Yes	No	(v) Amount of monetary support (see instructions)	(vi) Amount of other support (see instructions)


Total

For Paperwork Reduction Act Notice, see the Instructions for Form 990 or 990EZ.

Cat. No. 11285F

Schedule A (Form 990 or 990-EZ) 2014

Page 2

Part II

Support Schedule for Organizations Described in Sections 170(b)(1)(A)(iv) and 170(b)(1)(A)(vi)
(Complete only if you checked the box on line 5, 7, or 8 of Part I or if the organization failed to qualify under Part III. If the organization fails to qualify under the tests listed below, please complete Part III.)

Section A. Public Support

Calendar year (or fiscal year beginning in)		(a) 2010	(b) 2011	(c) 2012	(d) 2013	(e) 2014	(f) Total
1	Gifts, grants, contributions, and membership fees received. (Do not include any "unusual grants.") ....
2	Tax revenues levied for the organization's benefit and either paid to or expended on its behalf.......
3	The value of services or facilities furnished by a governmental unit to the organization without charge..
4	Total. Add lines 1 through 3
5	The portion of total contributions by each person (other than a governmental unit or publicly supported organization) included on line 1 that exceeds 2% of the amount shown on line 11, column (f)..
6	Public support. Subtract line 5 from line 4.

Section B. Total Support

Calendar year (or fiscal year beginning in)		(a) 2010	(b) 2011	(c) 2012	(d) 2013	(e) 2014	(f) Total
7	Amounts from line 4..
8	Gross income from interest, dividends, payments received on securities loans, rents, royalties and income from similar sources...
9	Net income from unrelated business activities, whether or not the business is regularly carried on..
10	Other income. Do not include gain or loss from the sale of capital assets (Explain in Part VI.)..
11	Total support Add lines 7 through 10.

Gross receipts from related activities, etc. (see instructions) ..................

First five years. If the Form 990 is for the organization's first, second, third, fourth, or fifth tax year as a section 501(c)(3) organization, check this box and stop here........................................ right arrow

Section C. Computation of Public Support Percentage

Public support percentage for 2014 (line 6, column (f) divided by line 11, column (f)) .........

Public support percentage for 2013 Schedule A, Part II, line 14 ...............

16a

33 1/3% support test—2014. If the organization did not check the box on line 13, and line 14 is 33 1/3% or more, check this box
and stop here. The organization qualifies as a publicly supported organization ....................... right arrow

33 1/3% support test—2013. If the organization did not check a box on line 13 or 16a, and line 15 is 33 1/3% or more, check this
box and stop here. The organization qualifies as a publicly supported organization ..................... right arrow

17a

10%-facts-and-circumstances test—2014. If the organization did not check a box on line 13, 16a, or 16b, and line 14
is 10% or more, and if the organization meets the "facts-and-circumstances" test, check this box and stop here. Explain
in Part VI how the organization meets the "facts-and-circumstances" test. The organization qualifies as a publicly supported
organization ..................................................... right arrow

10%-facts-and-circumstances test—2013. If the organization did not check a box on line 13, 16a, 16b, or 17a, and line
15 is 10% or more, and if the organization meets the "facts-and-circumstances" test, check this box and stop here.
Explain in Part VI how the organization meets the "facts-and-circumstances" test. The organization qualifies as a publicly
supported organization ................................................ right arrow

Private foundation. If the organization did not check a box on line 13, 16a, 16b, 17a, or 17b, check this box and see
instructions ..................................................... right arrow

Schedule A (Form 990 or 990-EZ) 2014

Page 3

Part III

Support Schedule for Organizations Described in Section 509(a)(2)
(Complete only if you checked the box on line 9 of Part I or if the organization failed to qualify under Part II. If the organization fails to qualify under the tests listed below, please complete Part II.)

Section A. Public Support

Calendar year (or fiscal year beginning in)		(a) 2010	(b) 2011	(c) 2012	(d) 2013	(e) 2014	(f) Total
1	Gifts, grants, contributions, and membership fees received. (Do not include any "unusual grants.") .	20,306,266	21,006,037	18,876,258	17,538,543	17,304,358	95,031,462
2	Gross receipts from admissions, merchandise sold or services performed, or facilities furnished in any activity that is related to the organization's tax-exempt purpose......	20,347,236	14,741,712	10,529,240	6,832,311	10,887,176	63,337,675
3	Gross receipts from activities that are not an unrelated trade or business under section 513..
4	Tax revenues levied for the organization's benefit and either paid to or expended on its behalf...
5	The value of services or facilities furnished by a governmental unit to the organization without charge..
6	Total. Add lines 1 through 5.	40,653,502	35,747,749	29,405,498	24,370,854	28,191,534	158,369,137
7a	Amounts included on lines 1, 2, and 3 received from disqualified persons...		43,771	23,729	27,425	39,272	134,197
b	Amounts included on lines 2 and 3 received from other than disqualified persons that exceed the greater of $5,000 or 1% of the amount on line 13 for the year.						0
c	Add lines 7a and 7b..		43,771	23,729	27,425	39,272	134,197
8	Public support (Subtract line 7c from line 6.)						158,234,940

Section B. Total Support

Calendar year (or fiscal year beginning in)		(a) 2010	(b) 2011	(c) 2012	(d) 2013	(e) 2014	(f) Total
9	Amounts from line 6...	40,653,502	35,747,749	29,405,498	24,370,854	28,191,534	158,369,137
10a	Gross income from interest, dividends, payments received on securities loans, rents, royalties and income from similar sources..	8,452	1,982	1,904	26,778	583,403	622,519
b	Unrelated business taxable income (less section 511 taxes) from businesses acquired after June 30, 1975.
c	Add lines 10a and 10b.	8,452	1,982	1,904	26,778	583,403	622,519
11	Net income from unrelated business activities not included in line 10b, whether or not the business is regularly carried on.
12	Other income. Do not include gain or loss from the sale of capital assets (Explain in Part VI.) ..
13	Total support. (Add lines 9, 10c, 11, and 12.)..	40,661,954	35,749,731	29,407,402	24,397,632	28,774,937	158,991,656

First five years. If the Form 990 is for the organization's first, second, third, fourth, or fifth tax year as a section 501(c)(3) organization,
check this box and stop here............................................. right arrow

Section C. Computation of Public Support Percentage

Public support percentage for 2014 (line 8, column (f) divided by line 13, column (f)) .........

99.520 %

Public support percentage from 2013 Schedule A, Part III, line 15 ...............

99.910 %

Section D. Computation of Investment Income Percentage

Investment income percentage for 2014 (line 10c, column (f) divided by line 13, column (f)) ......

0.390 %

Investment income percentage from 2013 Schedule A, Part III, line 17 .............

0.030 %

19a

33 1/3% support tests—2014. If the organization did not check the box on line 14, and line 15 is more than 33 1/3%, and line 17 is not more than 33 1/3%, check this box and stop here. The organization qualifies as a publicly supported organization ....... right arrow

33 1/3% support tests—2013. If the organization did not check a box on line 14 or line 19a, and line 16 is more than 33 1/3% and line 18 is not more than 33 1/3%, check this box and stop here. The organization qualifies as a publicly supported organization .... right arrow

Private foundation. If the organization did not check a box on line 14, 19a, or 19b, check this box and see instructions .... right arrow

Schedule A (Form 990 or 990-EZ) 2014

Page 4

Part IV

Supporting Organizations

(Complete only if you checked a box on line 11 of Part I. If you checked 11a of Part I, complete Sections A and B. If you checked 11b of Part I, complete Sections A and C. If you checked 11c of Part I, complete Sections A, D, and E. If you checked 11d of Part I, complete Sections A and D, and complete Part V.)

Section A. All Supporting Organizations

Yes

Are all of the organization’s supported organizations listed by name in the organization’s governing documents?
If "No," describe in Part VI how the supported organizations are designated. If designated by class or purpose,
describe the designation. If historic and continuing relationship, explain.

Did the organization have any supported organization that does not have an IRS determination of status under section 509(a)(1) or (2)? If "Yes," explain in Part VI how the organization determined that the supported organization was described in section 509(a)(1) or (2).

Did the organization have a supported organization described in section 501(c)(4), (5), or (6)? If "Yes," answer (b) and (c) below.

Did the organization confirm that each supported organization qualified under section 501(c)(4), (5), or (6) and satisfied the public support tests under section 509(a)(2)? If "Yes," describe in Part VI when and how the organization made the determination.

Did the organization ensure that all support to such organizations was used exclusively for section 170(c)(2)(B) purposes? If "Yes," explain in Part VI what controls the organization put in place to ensure such use.

Was any supported organization not organized in the United States ("foreign supported organization")? If “Yes” and if you checked 11a or 11b in Part I, answer (b) and (c) below.

Did the organization have ultimate control and discretion in deciding whether to make grants to the foreign supported organization? If “Yes,” describe in Part VI how the organization had such control and discretion despite being controlled or supervised by or in connection with its supported organizations....

Did the organization support any foreign supported organization that does not have an IRS determination under sections 501(c)(3) and 509(a)(1) or (2)? If “Yes,” explain in Part VI what controls the organization used to ensure that all support to the foreign supported organization was used exclusively for section 170(c)(2)(B) purposes.

Did the organization add, substitute, or remove any supported organizations during the tax year? If “Yes,” answer (b) and (c) below (if applicable). Also, provide detail in Part VI, including (i) the names and EIN numbers of the supported organizations added, substituted, or removed, (ii) the reasons for each such action, (iii) the authority under the organization's organizing document authorizing such action, and (iv) how the action was accomplished (such as by amendment to the organizing document).

Type I or Type II only. Was any added or substituted supported organization part of a class already designated in the organization's organizing document?

Substitutions only. Was the substitution the result of an event beyond the organization's control?

Did the organization provide support (whether in the form of grants or the provision of services or facilities) to anyone other than (a) its supported organizations; (b) individuals that are part of the charitable class benefited by one or more of its supported organizations; or (c) other supporting organizations that also support or benefit one or more of the filing organization’s supported organizations? If “Yes,” provide detail in Part VI.

Did the organization provide a grant, loan, compensation, or other similar payment to a substantial contributor (defined in IRC 4958(c)(3)(C)), a family member of a substantial contributor, or a 35-percent controlled entity with regard to a substantial contributor? If “Yes,” complete Part I of Schedule L (Form 990) .

Did the organization make a loan to a disqualified person (as defined in section 4958) not described in line 7? If “Yes,” complete Part II of Schedule L (Form 990).

Was the organization controlled directly or indirectly at any time during the tax year by one or more disqualified persons as defined in section 4946 (other than foundation managers and organizations described in section 509(a)(1) or (2))? If “Yes,” provide detail in Part VI.

Did one or more disqualified persons (as defined in line 9(a)) hold a controlling interest in any entity in which the supporting organization had an interest? If “Yes,” provide detail in Part VI.

Did a disqualified person (as defined in line 9(a)) have an ownership interest in, or derive any personal benefit from, assets in which the supporting organization also had an interest? If “Yes,” provide detail in Part VI.

10a

Was the organization subject to the excess business holdings rules of IRC 4943 because of IRC 4943(f) (regarding certain Type II supporting organizations, and all Type III non-functionally integrated supporting organizations)? If “Yes,” answer b below.

10a

Did the organization have any excess business holdings in the tax year? (Use Schedule C, Form 4720, to determine whether the organization had excess business holdings).

10b

Has the organization accepted a gift or contribution from any of the following persons?

A person who directly or indirectly controls, either alone or together with persons described in (b) and (c) below, the governing body of a supported organization?

11a

A family member of a person described in (a) above?

11b

A 35% controlled entity of a person described in (a) or (b) above? If “Yes” to a, b, or c, provide detail in Part VI.

11c

Schedule A (Form 990 or 990-EZ) 2014

Page 5

Part IV

Supporting Organizations (continued)

Section B. Type I Supporting Organizations

Yes

Did the directors, trustees, or membership of one or more supported organizations have the power to regularly appoint or elect at least a majority of the organization’s directors or trustees at all times during the tax year? If “No,” describe in Part VI how the supported organization(s) effectively operated, supervised, or controlled the organization’s activities. If the organization had more than one supported organization, describe how the powers to appoint and/or remove directors or trustees were allocated among the supported organizations and what conditions or restrictions, if any, applied to such powers during the tax year.

Did the organization operate for the benefit of any supported organization other than the supported organization(s) that operated, supervised, or controlled the supporting organization? If “Yes,” explain in Part VI how providing such benefit carried out the purposes of the supported organization(s) that operated, supervised or controlled the supporting organization.

Section C. Type II Supporting Organizations

Yes

Were a majority of the organization’s directors or trustees during the tax year also a majority of the directors or trustees of each of the organization’s supported organization(s)? If “No,” describe in Part VI how control or management of the supporting organization was vested in the same persons that controlled or managed the supported organization(s).

Section D. All Type III Supporting Organizations

Yes

Did the organization provide to each of its supported organizations, by the last day of the fifth month of the organization’s tax year, (1) a written notice describing the type and amount of support provided during the prior tax year, (2) a copy of the Form 990 that was most recently filed as of the date of notification, and (3) copies of the organization’s governing documents in effect on the date of notification, to the extent not previously provided?

Were any of the organization’s officers, directors, or trustees either (i) appointed or elected by the supported organization(s) or (ii) serving on the governing body of a supported organization? If "No," explain in Part VI how the organization maintained a close and continuous working relationship with the supported organization(s).

By reason of the relationship described in (2), did the organization’s supported organizations have a significant voice in the organization’s investment policies and in directing the use of the organization’s income or assets at all times during the tax year? If "Yes," describe in Part VI the role the organization’s supported organizations played in this regard.

Section E. Type III Functionally-Integrated Supporting Organizations

Check the box next to the method that the organization used to satisfy the Integral Part Test during the year (see instructions):

The organization satisfied the Activities Test. Complete line 2 below.

The organization is the parent of each of its supported organizations. Complete line 3 below.

The organization supported a governmental entity. Describe in Part VI how you supported a government entity (see instructions)

Activities Test. Answer (a) and (b) below.

Yes

Did substantially all of the organization’s activities during the tax year directly further the exempt purposes of the supported organization(s) to which the organization was responsive? If "Yes," then in Part VI identify those supported organizations and explain how these activities directly furthered their exempt purposes, how the organization was responsive to those supported organizations, and how the organization determined that these activities constituted substantially all of its activities.

Did the activities described in (a) constitute activities that, but for the organization’s involvement, one or more of the organization’s supported organization(s) would have been engaged in? If "Yes," explain in Part VI the reasons for the organization’s position that its supported organization(s) would have engaged in these activities but for the organization’s involvement.

Parent of Supported Organizations. Answer (a) and (b) below.

Did the organization have the power to regularly appoint or elect a majority of the officers, directors, or trustees of each of the supported organizations? Provide details in Part VI.

Did the organization exercise a substantial degree of direction over the policies, programs and activities of each of its supported organizations? If "Yes," describe in Part VI the role played by the organization in this regard.

Schedule A (Form 990 or 990-EZ) 2014

Page 6

Part V – Type III Non-Functionally Integrated 509(a)(3) Supporting Organizations

1. Check here if the organization satisfied the Integral Part Test as a qualifying trust on Nov. 20, 1970. See instructions. All other Type III non-functionally integrated supporting organizations must complete Sections A through E.

	Section A - Adjusted Net Income		(A) Prior Year	(B) Current Year (optional)
1	Net short-term capital gain	1
2	Recoveries of prior-year distributions	2
3	Other gross income (see instructions)	3
4	Add lines 1 through 3	4
5	Depreciation and depletion	5
6	Portion of operating expenses paid or incurred for production or collection of gross income or for management, conservation, or maintenance of property held for production of income (see instructions)	6
7	Other expenses (see instructions)	7
8	Adjusted Net Income (subtract lines 5, 6 and 7 from line 4)	8

	Section B - Minimum Asset Amount		(A) Prior Year	(B) Current Year (optional)
1	Aggregate fair market value of all non-exempt-use assets (see instructions for short tax year or assets held for part of year):	1
a	Average monthly value of securities	1a
b	Average monthly cash balances	1b
c	Fair market value of other non-exempt-use assets	1c
d	Total (add lines 1a, 1b, and 1c)	1d
e	Discount claimed for blockage or other factors (explain in detail in Part VI):
2	Acquisition indebtedness applicable to non-exempt use assets	2
3	Subtract line 2 from line 1d	3
4	Cash deemed held for exempt use. Enter 1-1/2% of line 3 (for greater amount, see instructions).	4
5	Net value of non-exempt-use assets (subtract line 4 from line 3)	5
6	Multiply line 5 by .035	6
7	Recoveries of prior-year distributions	7
8	Minimum Asset Amount (add line 7 to line 6)	8

	Section C - Distributable Amount		Current Year
1	Adjusted net income for prior year (from Section A, line 8, Column A)	1
2	Enter 85% of line 1	2
3	Minimum asset amount for prior year (from Section B, line 8, Column A)	3
4	Enter greater of line 2 or line 3	4
5	Income tax imposed in prior year	5
6	Distributable Amount. Subtract line 5 from line 4, unless subject to emergency temporary reduction (see instructions)	6
7	Check here if the current year is the organization's first as a non-functionally-integrated Type III supporting organization (see instructions)

Schedule A (Form 990 or 990-EZ) 2014

Page 7

Section D - Distributions		Current Year
1 Amounts paid to supported organizations to accomplish exempt purposes
2 Amounts paid to perform activity that directly furthers exempt purposes of supported organizations, in excess of income from activity
3 Administrative expenses paid to accomplish exempt purposes of supported organizations
4 Amounts paid to acquire exempt-use assets
5 Qualified set-aside amounts (prior IRS approval required)
6 Other distributions (describe in Part VI). See instructions
7Total annual distributions. Add lines 1 through 6.
8 Distributions to attentive supported organizations to which the organization is responsive (provide details in Part VI). See instructions
9 Distributable amount for 2014 from Section C, line 6
10 Line 8 amount divided by Line 9 amount

Section E - Distribution Allocations (see instructions)		(i) Excess Distributions	(ii) Underdistributions Pre-2014	(iii) Distributable Amount for 2014
1 Distributable amount for 2014 from Section C, line 6
2 Underdistributions, if any, for years prior to 2014 (reasonable cause required--see instructions)
3 Excess distributions carryover, if any, to 2014:
a From 2009.......X
b From 2010.......X
c From 2011.......X
d From 2012.......X
e From 2013.......
fTotal of lines 3a through e
g Applied to underdistributions of prior years
h Applied to 2014 distributable amount
i Carryover from 2009 not applied (see instructions)
j Remainder. Subtract lines 3g, 3h, and 3i from 3f.
4Distributions for 2014 from Section D, line 7:
$
a Applied to underdistributions of prior years
b Applied to 2014 distributable amount
c Remainder. Subtract lines 4a and 4b from 4.
5 Remaining underdistributions for years prior to 2014, if any. Subtract lines 3g and 4a from line 2 (if amount greater than zero, see instructions)
6 Remaining underdistributions for 2014. Subtract lines 3h and 4b from line 1 (if amount greater than zero, see instructions)
7 Excess distributions carryover to 2015. Add lines 3j and 4c.
8 Breakdown of line 7:
a From 2010.......X
b From 2011.......X
c From 2012.......X
d From 2013.......
e From 2014.......

Schedule A (Form 990 or 990-EZ) (2014)

Schedule A (Form 990 or 990-EZ) 2014

Page 8

Part VI

Supplemental Information. Provide the explanations required by Part II, line 10; Part II, line 17a or 17b; Part III, line 12; Part IV, Section A, lines 1, 2, 3b, 3c, 4b, 4c, 5a, 6, 9a, 9b, 9c, 11a, 11b, and 11c; Part IV, Section B, lines 1 and 2; Part IV, Section C, line 1; Part IV, Section D, lines 2 and 3; Part IV, Section E, lines 1c, 2a, 2b, 3a and 3b; Part V, line 1; Part V, Section B, line 1e; Part V Section D, lines 5, 6, and 8; and Part V, Section E, lines 2, 5, and 6. Also complete this part for any additional information. (See instructions).

Facts And Circumstances Test

Return Reference	Explanation

Schedule A (Form 990 or 990-EZ) 2014

Additional Data

Software ID:
Software Version:

- TIN:

Schedule B
(Form 990, 990-EZ,
or 990-PF)

Department of the Treasury
Internal Revenue Service

Schedule of Contributors

Attach to Form 990, 990-EZ, or 990-PF.

Information about Schedule B (Form 990, 990-EZ, or 990-PF) and its instructions is at www.irs.gov/form990.

OMB No. 1545-0047

2014

Name of the organization

Consumer Credit Counseling Service of
Greater Atlanta Inc

Employer identification number

58-0942924

Organization type (check one):

Filers of:

Section:

Form 990 or 990-EZ

501(c)( ) (enter number) organization

4947(a)(1) nonexempt charitable trust not treated as a private foundation

527 political organization

Form 990-PF

501(c)(3) exempt private foundation

4947(a)(1) nonexempt charitable trust treated as a private foundation

501(c)(3) taxable private foundation

Check if your organization is covered by the General Rule or a Special Rule.
Note. Only a section 501(c)(7), (8), or (10) organization can check boxes for both the General Rule and a Special Rule. See instructions.

General Rule

For an organization filing Form 990, 990-EZ, or 990-PF that received, during the year, contributions totaling $5,000 or more (in money or
property) from any one contributor. Complete Parts I and II. See instructions for determining a contributor's total contributions.

Special Rules

For an organization described in section 501(c)(3) filing Form 990 or 990-EZ that met the 33¹/3% support test of the regulations
under sections 509(a)(1) and 170(b)(1)(A)(vi), that checked Schedule A (Form 990 or 990-EZ), Part II, line 13, 16a, or 16b, and that received from any one contributor, during the year, total contributions of the greater of (1) $5,000 or (2) 2% of the amount on (i) Form 990, Part VIII, line 1h, or (ii) Form 990-EZ, line 1. Complete Parts I and II.

For an organization described in section 501(c)(7), (8), or (10) filing Form 990 or 990-EZ that received from any one contributor,
during the year, total contributions of more than $1,000 exclusively for religious, charitable, scientific, literary, or educational purposes, or for the prevention of cruelty to children or animals. Complete Parts I, II, and III.

For an organization described in section 501(c)(7), (8), or (10) filing Form 990 or 990-EZ that received from any one contributor,
during the year, contributions exclusively for religious, charitable, etc., purposes, but no such contributions totaled more than $1,000. If this box is checked, enter here the total contributions that were received during the year for an exclusively religious, charitable, etc., purpose. Do not complete any of the parts unless the General Rule applies to this organization because it received nonexclusively religious, charitable, etc., contributions totaling $5,000 or more during the year ......... Arrow Bullet

Caution. An organization that is not covered by the General Rule and/or the Special Rules does not file Schedule B (Form 990,
990-EZ, or 990-PF), but it must answer “No” on Part IV, line 2, of its Form 990; or check the box on line H of its
Form 990-EZ or on its Form 990PF, Part I, line 2, to certify that it does not meet the filing requirements of Schedule B (Form 990,
990-EZ, or 990-PF).

For Paperwork Reduction Act Notice, see the Instructions
for Form 990, 990-EZ, or 990-PF.

Cat. No. 30613XSchedule B (Form 990, 990-EZ, or 990-PF) (2014)

Schedule B (Form 990, 990-EZ, or 990-PF) (2014)

Page 2

Name of organization Consumer Credit Counseling Service of Greater Atlanta Inc

Part I	Contributors (see instructions). Use duplicate copies of Part I if additional space is needed.
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
RESTRICTED	,	$RESTRICTED	Person Payroll Noncash (Complete Part II for noncash contributions.)
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
		$	Person Payroll Noncash (Complete Part II for noncash contributions.)
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
		$	Person Payroll Noncash (Complete Part II for noncash contributions.)
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
		$	Person Payroll Noncash (Complete Part II for noncash contributions.)
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
		$	Person Payroll Noncash (Complete Part II for noncash contributions.)
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
		$	Person Payroll Noncash (Complete Part II for noncash contributions.)
Schedule B (Form 990, 990-EZ, or 990-PF) (2014)

Schedule B (Form 990, 990-EZ, or 990-PF) (2014)

Page 3

Name of organization Consumer Credit Counseling Service of Greater Atlanta Inc

Part II	Noncash Property (see instructions). Use duplicate copies of Part II if additional space is needed.
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (see instructions)	(d) Date received
		$
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (see instructions)	(d) Date received
		$
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (see instructions)	(d) Date received
		$
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (see instructions)	(d) Date received
		$
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (see instructions)	(d) Date received
		$
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (see instructions)	(d) Date received
		$
Schedule B (Form 990, 990-EZ, or 990-PF) (2014)

Schedule B (Form 990, 990-EZ, or 990-PF) (2014)

Page 4

Name of organization
Consumer Credit Counseling Service of
Greater Atlanta Inc

Employer identification number

58-0942924

Part III

Exclusively religious, charitable, etc., contributions to organizations described in section 501(c)(7), (8), or (10)
that total more than $1,000 for the year from any one contributor. Complete columns (a) through (e) and the following line entry. For organizations completing Part III, enter the total of exclusively religious, charitable, etc., contributions of $1,000 or less for the year. (Enter this information once. See instructions.) Arrow Bullet

$
Use duplicate copies of Part III if additional space is needed.

(a) No.
from
Part I

(b) Purpose of gift

(d) Description of how gift is held

(e) Transfer of gift
Transferee's name, address, and ZIP 4	Relationship of transferor to transferee

(a) No.
from
Part I

(b) Purpose of gift

(d) Description of how gift is held

(e) Transfer of gift
Transferee's name, address, and ZIP 4	Relationship of transferor to transferee

(a) No.
from
Part I

(b) Purpose of gift

(d) Description of how gift is held

(e) Transfer of gift
Transferee's name, address, and ZIP 4	Relationship of transferor to transferee

(a) No.
from
Part I

(b) Purpose of gift

(d) Description of how gift is held

(e) Transfer of gift
Transferee's name, address, and ZIP 4	Relationship of transferor to transferee

Schedule B (Form 990, 990-EZ, or 990-PF) (2014)

Additional Data

Software ID:
Software Version:

- TIN:

SCHEDULE C
(Form 990 or 990-EZ)

Department of the Treasury
Internal Revenue Service

Political Campaign and Lobbying Activities

For Organizations Exempt From Income Tax Under section 501(c) and section 527
SchCMd Bullet

Complete if the organization is described below. SchCMd Bullet

Attach to Form 990 or Form 990-EZ.
SchCMd Bullet

Information about Schedule C (Form 990 or 990-EZ) and its instructions is at www.irs.gov/form990.

OMB No. 1545-0047

2014

Open to Public
Inspection

If the organization answered "Yes" to Form 990, Part IV, Line 3, or Form 990-EZ, Part V, line 46 (Political Campaign Activities), then
Round Bullet

Section 501(c)(3) organizations: Complete Parts I-A and B. Do not complete Part I-C.
Round Bullet

Section 501(c) (other than section 501(c)(3)) organizations: Complete Parts I-A and C below. Do not complete Part I-B.
Round Bullet

Section 527 organizations: Complete Part I-A only.
If the organization answered "Yes" to Form 990, Part IV, Line 4, or Form 990-EZ, Part VI, line 47 (Lobbying Activities), then
Round Bullet

Section 501(c)(3) organizations that have filed Form 5768 (election under section 501(h)): Complete Part II-A. Do not complete Part II-B.
Round Bullet

Section 501(c)(3) organizations that have NOT filed Form 5768 (election under section 501(h)): Complete Part II-B. Do not complete Part II-A.
If the organization answered "Yes" to Form 990, Part IV, Line 5 (Proxy Tax) (see separate instructions) or Form 990-EZ, Part V, line 35c (Proxy Tax) (see separate instructions), then
Round Bullet

Section 501(c)(4), (5), or (6) organizations: Complete Part III.

Name of the organization

Consumer Credit Counseling Service of
Greater Atlanta Inc

Employer identification number

58-0942924

Part I-A

Complete if the organization is exempt under section 501(c) or is a section 527 organization.

Provide a description of the organization’s direct and indirect political campaign activities in Part IV.

Political expenditures .................................... SchCMd Bullet

Volunteer hours ........................................

Part I-B

Complete if the organization is exempt under section 501(c)(3).

Enter the amount of any excise tax incurred by the organization under section 4955 ......... SchCMd Bullet

Enter the amount of any excise tax incurred by organization managers under section 4955 ...... SchCMd Bullet

If the organization incurred a section 4955 tax, did it file Form 4720 for this year? ..............

Yes No

Was a correction made? .........................................

Yes No

If "Yes," describe in Part IV.

Part I-C

Complete if the organization is exempt under section 501(c), except section 501(c)(3).

Enter the amount directly expended by the filing organization for section 527 exempt function activities SchCMd Bullet

Enter the amount of the filing organization's funds contributed to other organizations for section 527 exempt function activities ................................... SchCMd Bullet

Total exempt function expenditures. Add lines 1 and 2. Enter here and on Form 1120-POL, line 17b.. SchCMd Bullet

Did the filing organization file Form 1120-POL for this year? ..........................

Yes No

Enter the names, addresses and employer identification number (EIN) of all section 527 political organizations to which the filing
organization made payments. For each organization listed, enter the amount paid from the filing organization’s funds. Also enter the amount of political contributions received that were promptly and directly delivered to a separate political organization, such as a separate segregated fund or a political action committee (PAC). If additional space is needed, provide information in Part IV.

(a) Name	(b) Address	(c) EIN	(d) Amount paid from filing organization's funds. If none, enter -0-.	(e) Amount of political contributions received and promptly and directly delivered to a separate political organization. If none, enter -0-.

For Paperwork Reduction Act Notice, see the instructions for Form 990 or 990-EZ.

Cat. No. 50084S

Schedule C (Form 990 or 990-EZ) 2014

Page 2

Part II-A

Complete if the organization is exempt under section 501(c)(3) and filed Form 5768 (election under section 501(h)).

A Check SchCMd Bullet

if the filing organization belongs to an affiliated group (and list in Part IV each affiliated group member's name, address, EIN, expenses, and share of excess lobbying expenditures).
B Check SchCMd Bullet

if the filing organization checked box A and "limited control" provisions apply.

Limits on Lobbying Expenditures (The term "expenditures" means amounts paid or incurred.)		(a) Filing organization's totals	(b) Affiliated group totals
1a	Total lobbying expenditures to influence public opinion (grass roots lobbying) ......
b	Total lobbying expenditures to influence a legislative body (direct lobbying) .......	5,460
c	Total lobbying expenditures (add lines 1a and 1b) ...................	5,460
d	Other exempt purpose expenditures ........................	29,620,442
e	Total exempt purpose expenditures (add lines 1c and 1d) ...............	29,625,902
f	Lobbying nontaxable amount. Enter the amount from the following table in both columns.	1,000,000
	If the amount on line 1e, column (a) or (b) is:The lobbying nontaxable amount is:
	Not over $500,00020% of the amount on line 1e.
	Over $500,000 but not over $1,000,000$100,000 plus 15% of the excess over $500,000.
	Over $1,000,000 but not over $1,500,000$175,000 plus 10% of the excess over $1,000,000.
	Over $1,500,000 but not over $17,000,000$225,000 plus 5% of the excess over $1,500,000.
	Over $17,000,000$1,000,000.

g	Grassroots nontaxable amount (enter 25% of line 1f) .................	250,000
h	Subtract line 1g from line 1a. If zero or less, enter -0-. ................	0
i	Subtract line 1f from line 1c. If zero or less, enter -0-. ................	0
j	If there is an amount other than zero on either line 1h or line 1i, did the organization file Form 4720 reporting section 4911 tax for this year? ......................................		Yes No

4-Year Averaging Period Under section 501(h) (Some organizations that made a section 501(h) election do not have to complete all of the five columns below. See the separate instructions for lines 2a through 2f.)
Lobbying Expenditures During 4-Year Averaging Period
	Calendar year (or fiscal year beginning in)	(a) 2011	(b) 2012	(c) 2013	(d) 2014	(e) Total

2a	Lobbying nontaxable amount	1,000,000	1,000,000	1,000,000	1,000,000	4,000,000

b	Lobbying ceiling amount (150% of line 2a, column(e))					6,000,000

c	Total lobbying expenditures	48,002	38,145	35,000	5,460	126,607

d	Grassroots nontaxable amount	250,000	250,000	250,000	250,000	1,000,000

e	Grassroots ceiling amount (150% of line 2d, column (e))					1,500,000

f	Grassroots lobbying expenditures

Schedule C (Form 990 or 990-EZ) 2014

Page 3

Part II-B

Complete if the organization is exempt under section 501(c)(3) and has NOT filed Form 5768 (election under section 501(h)).

For each "Yes" response to lines 1a through 1i below, provide in Part IV a detailed description of the lobbying activity.

(a)

Yes

(b)

Amount

During the year, did the filing organization attempt to influence foreign, national, state or local legislation, including any attempt to influence public opinion on a legislative matter or referendum, through the use of:

Volunteers? .........................................

Paid staff or management (include compensation in expenses reported on lines 1c through 1i)? ....

Media advertisements? ....................................

Mailings to members, legislators, or the public? .........................

Publications, or published or broadcast statements? .......................

Grants to other organizations for lobbying purposes? .......................

Direct contact with legislators, their staffs, government officials, or a legislative body? ........

Rallies, demonstrations, seminars, conventions, speeches, lectures, or any similar means? ......

Other activities? ..........................

Total. Add lines 1c through 1i ...............................

Did the activities in line 1 cause the organization to be not described in section 501(c)(3)? .....

If "Yes," enter the amount of any tax incurred under section 4912 .................

If "Yes," enter the amount of any tax incurred by organization managers under section 4912 .....

If the filing organization incurred a section 4912 tax, did it file Form 4720 for this year? .......

Part III-A

Complete if the organization is exempt under section 501(c)(4), section 501(c)(5), or section 501(c)(6).

Yes

Were substantially all (90% or more) dues received nondeductible by members? ................

Did the organization make only in-house lobbying expenditures of $2,000 or less? ................

Did the organization agree to carry over lobbying and political expenditures from the prior year? ..........

Part III-B

Complete if the organization is exempt under section 501(c)(4), section 501(c)(5), or section 501(c)(6) and if either (a) BOTH Part III-A, lines 1 and 2, are answered "No" OR (b) Part III-A, line 3, is answered “Yes."

Dues, assessments and similar amounts from members .....................

Section 162(e) nondeductible lobbying and political expenditures (do not include amounts of political
expenses for which the section 527(f) tax was paid).

Current year .........................................

Carryover from last year ....................................

Total ............................................

Aggregate amount reported in section 6033(e)(1)(A) notices of nondeductible section 162(e) dues .

If notices were sent and the amount on line 2c exceeds the amount on line 3, what portion of the excess does the organization agree to carryover to the reasonable estimate of nondeductible lobbying and political expenditure next year? ................................

Taxable amount of lobbying and political expenditures (see instructions) ..............

Part IV

Supplemental Information

Provide the descriptions required for Part l-A, line 1; Part l-B, line 4; Part l-C, line 5; Part II-A (affiliated group list); Part II-A, lines 1 and 2 (see instructions), and Part ll-B, line 1. Also, complete this part for any additional information.

Return Reference	Explanation

Schedule C (Form 990 or 990EZ) 2014

Additional Data

Software ID:
Software Version:

- TIN:

SCHEDULE D
(Form 990)

Department of the Treasury
Internal Revenue Service

Supplemental Financial Statements

Complete if the organization answered "Yes," to Form 990,
Part IV, line 6, 7, 8, 9, 10, 11a, 11b, 11c, 11d, 11e, 11f, 12a, or 12b.
SchDMd Bullet

Attach to Form 990.
Information about Schedule D (Form 990) and its instructions is at www.irs.gov/form990.

OMB No. 1545-0047

2014

Open to Public Inspection

Name of the organization

Consumer Credit Counseling Service of
Greater Atlanta Inc

Employer identification number

58-0942924

Part I

Organizations Maintaining Donor Advised Funds or Other Similar Funds or Accounts. Complete if the organization answered "Yes" to Form 990, Part IV, line 6.

		(a) Donor advised funds	(b) Funds and other accounts
1	Total number at end of year .........
2	Aggregate value of contributions to (during year)
3	Aggregate value of grants from (during year)
4	Aggregate value at end of year ........

Did the organization inform all donors and donor advisors in writing that the assets held in donor advised
funds are the organization's property, subject to the organization's exclusive legal control? ............

Yes No

Did the organization inform all grantees, donors, and donor advisors in writing that grant funds can be
used only for charitable purposes and not for the benefit of the donor or donor advisor, or for any other purpose conferring impermissible private benefit? ...................................

Yes No

Part II

Conservation Easements. Complete if the organization answered "Yes" to Form 990, Part IV, line 7.

Purpose(s) of conservation easements held by the organization (check all that apply).

Preservation of land for public use (e.g., recreation or education) Preservation of an historically important land area

Protection of natural habitat Preservation of a certified historic structure

Preservation of open space

Complete lines 2a through 2d if the organization held a qualified conservation contribution in the form of a conservation easement on the last day of the tax year.


a	Total number of conservation easements .......................	2a
b	Total acreage restricted by conservation easements ..................	2b
c	Number of conservation easements on a certified historic structure included in (a) .....	2c
d	Number of conservation easements included in (c) acquired after 8/17/06, and not on a historic structure listed in the National Register ....................	2d

Number of conservation easements modified, transferred, released, extinguished, or terminated by the organization during
the tax year SchDMd Bullet

Number of states where property subject to conservation easement is located SchDMd Bullet

Does the organization have a written policy regarding the periodic monitoring, inspection, handling of violations, and
enforcement of the conservation easements it holds? .............................

Yes No

Staff and volunteer hours devoted to monitoring, inspecting, and enforcing conservation easements during the year
SchDMd Bullet

Amount of expenses incurred in monitoring, inspecting, and enforcing conservation easements during the year
SchDMd Bullet

Does each conservation easement reported on line 2(d) above satisfy the requirements of section 170(h)(4)(B)(i) and section 170(h)(4)(B)(ii)? .......................................

Yes No

In Part XIII, describe how the organization reports conservation easements in its revenue and expense statement, and
balance sheet, and include, if applicable, the text of the footnote to the organization’s financial statements that describes
the organization’s accounting for conservation easements.

Part III

Organizations Maintaining Collections of Art, Historical Treasures, or Other Similar Assets.
Complete if the organization answered "Yes" to Form 990, Part IV, line 8.

If the organization elected, as permitted under SFAS 116 (ASC 958), not to report in its revenue statement and balance sheet works of art, historical treasures, or other similar assets held for public exhibition, education, or research in furtherance of public service, provide, in Part XIII, the text of the footnote to its financial statements that describes these items.

If the organization elected, as permitted under SFAS 116 (ASC 958), to report in its revenue statement and balance sheet works of art, historical treasures, or other similar assets held for public exhibition, education, or research in furtherance of public service, provide the following amounts relating to these items:

(i)

Revenue included in Form 990, Part VIII, line 1 ........................ SchDMd Bullet

(ii)

Assets included in Form 990, Part X .............................. SchDMd Bullet

If the organization received or held works of art, historical treasures, or other similar assets for financial gain, provide the
following amounts required to be reported under SFAS 116 (ASC 958) relating to these items:

Revenue included in Form 990, Part VIII, line 1 .......................... SchDMd Bullet

Assets included in Form 990, Part X ............................... SchDMd Bullet

For Paperwork Reduction Act Notice, see the Instructions for Form 990.

Cat. No. 52283D

Schedule D (Form 990) 2014

Page 2

Part III

Organizations Maintaining Collections of Art, Historical Treasures, or Other Similar Assets (continued)

Using the organization’s acquisition, accession, and other records, check any of the following that are a significant use of its collection items (check all that apply):

Public exhibition

Loan or exchange programs

Scholarly research

Other

Preservation for future generations

Provide a description of the organization’s collections and explain how they further the organization’s exempt purpose in
Part XIII.

During the year, did the organization solicit or receive donations of art, historical treasures or other similar
assets to be sold to raise funds rather than to be maintained as part of the organization’s collection?........

Yes No

Part IV

Escrow and Custodial Arrangements. Complete if the organization answered "Yes" to Form 990,
Part IV, line 9, or reported an amount on Form 990, Part X, line 21.

Is the organization an agent, trustee, custodian or other intermediary for contributions or other assets not
included on Form 990, Part X? ....................................

Yes No

If "Yes," explain the arrangement in Part XIII and complete the following table:


c	Beginning balance .................................	1c
d	Additions during the year ..............................	1d
e	Distributions during the year .............................	1e
f	Ending balance ...................................	1f

Did the organization include an amount on Form 990, Part X, line 21, for escrow or custodial account liability?

Yes No

If "Yes," explain the arrangement in Part XIII. Check here if the explanation has been provided in Part XIII .......

Part V

Endowment Funds. Complete if the organization answered "Yes" to Form 990, Part IV, line 10.

		(a)Current year	(b)Prior year	b (c)Two years back	(d)Three years back	(e)Four years back
1a	Beginning of year balance ....
b	Contributions ........
c	Net investment earnings, gains, and losses
d	Grants or scholarships .....
e	Other expenditures for facilities and programs ........
f	Administrative expenses ....
g	End of year balance ......

Provide the estimated percentage of the current year end balance (line 1g, column (a)) held as:

Board designated or quasi-endowment SchDMd Bullet

Permanent endowment SchDMd Bullet

Temporarily restricted endowment SchDMd Bullet

The percentages in lines 2a, 2b, and 2c should equal 100%.

Are there endowment funds not in the possession of the organization that are held and administered for the
organization by:

Yes

(i) unrelated organizations ........................

3a(i)

(ii) related organizations ........................

3a(ii)

If "Yes" to 3a(ii), are the related organizations listed as required on Schedule R? .........

Describe in Part XIII the intended uses of the organization's endowment funds.

Part VI

Land, Buildings, and Equipment. Complete if the organization answered 'Yes' to Form 990, Part IV, line 11a. See Form 990, Part X, line 10.

Description of property		(b)Cost or other basis (other)	(c) Accumulated depreciation	(d) Book value
1a	Land .................	354,375		354,375
b	Buildings ................	1,421,625	50,108	1,371,517
c	Leasehold improvements ............	618,146	287,163	330,983
d	Equipment ................	10,872,363	9,699,721	1,172,642
e	Other .................	1,396,050	1,229,874	166,176
Total. Add lines 1a through 1e. (Column (d) must equal Form 990, Part X, column (B), line 10(c).).......				3,395,693

Schedule D (Form 990) 2014

Page 3

Part VII

InvestmentsOther Securities. Complete if the organization answered 'Yes' to Form 990, Part IV, line 11b. See Form 990, Part X, line 12.

(a) Description of security or category (including name of security)		(b)Book value	(c) Method of valuation: Cost or end-of-year market value
(1)Financial derivatives
(2)Closely-held equity interests
Other








Total. (Column (b) must equal Form 990, Part X, col. (B) line 12.)

Part VIII

InvestmentsProgram Related. Complete if the organization answered 'Yes' to Form 990, Part IV, line 11c. See Form 990, Part X, line 13.

(a) Description of investment		(b) Book value	(c) Method of valuation: Cost or end-of-year market value









Total. (Column (b) must equal Form 990, Part X, col.(B) line 13.)

Part IX

Other Assets. Complete if the organization answered 'Yes' to Form 990, Part IV, line 11d. See Form 990, Part X, line 15.

(a) Description				(b) Book value









Total. (Column (b) must equal Form 990, Part X, col.(B) line 15.)...........

Part X

Other Liabilities. Complete if the organization answered 'Yes' to Form 990, Part IV, line 11e or 11f. See Form 990, Part X, line 25.

1.(a) Description of liability		(b) Book value
Federal income taxes
Line of Credit		2,700,000
Interest Payable		32,137







Total. (Column (b) must equal Form 990, Part X, col.(B) line 25.)		2,732,137
2. Liability for uncertain tax positions. In Part XIII, provide the text of the footnote to the organization's financial statements that reports the organization's liability for uncertain tax positions under FIN 48 (ASC 740). Check here if the text of the footnote has been provided in Part XIII

Schedule D (Form 990) 2014

Page 4

Part XI Reconciliation of Revenue per Audited Financial Statements With Revenue per Return Complete if the organization answered 'Yes' to Form 990, Part IV, line 12a.
1	Total revenue, gains, and other support per audited financial statements .......			1	29,097,897
2	Amounts included on line 1 but not on Form 990, Part VIII, line 12:
a	Net unrealized gains (losses) on investments ....	2a	108,003
b	Donated services and use of facilities .........	2b	292,033
c	Recoveries of prior year grants ...........	2c
d	Other (Describe in Part XIII.) ............	2d
e	Add lines 2a through 2d .....................			2e	400,036
3	Subtract line 2e from line 1.....................			3	28,697,861
4	Amounts included on Form 990, Part VIII, line 12, but not on line 1:
a	Investment expenses not included on Form 990, Part VIII, line 7b .	4a	77,076
b	Other (Describe in Part XIII.) ...........	4b	-122,869
c	Add lines 4a and 4b.......................			4c	-45,793
5	Total revenue. Add lines 3 and 4c. (This must equal Form 990, Part I, line 12.) ......			5	28,652,068

Part XII Reconciliation of Expenses per Audited Financial Statements With Expenses per Return. Complete if the organization answered 'Yes' to Form 990, Part IV, line 12a.
1	Total expenses and losses per audited financial statements ...........			1	37,846,489
2	Amounts included on line 1 but not on Form 990, Part IX, line 25:
a	Donated services and use of facilities ..........	2a	292,033
b	Prior year adjustments ..............	2b
c	Other losses ................	2c
d	Other (Describe in Part XIII.) ............	2d	122,869
e	Add lines 2a through 2d......................			2e	414,902
3	Subtract line 2e from line 1.....................			3	37,431,587
4	Amounts included on Form 990, Part IX, line 25, but not on line 1:
a	Investment expenses not included on Form 990, Part VIII, line 7b ..	4a	77,076
b	Other (Describe in Part XIII.) ............	4b
c	Add lines 4a and 4b.......................			4c	77,076
5	Total expenses. Add lines 3 and 4c. (This must equal Form 990, Part I, line 18.) ......			5	37,508,663

Part XIII

Supplemental Information

Provide the descriptions required for Part II, lines 3, 5, and 9; Part III, lines 1a and 4; Part lV, lines 1b and 2b;
Part V, line 4; Part X, line 2; Part XI, lines 2d and 4b; and Part XII, lines 2d and 4b. Also complete this part to provide any additional information.

Return Reference	Explanation
Part X, Line 2:	The organization does not have any uncertain tax positions under FIN 48(ASC 740-10). The organization accounts for uncertain tax positions in accordance with accounting standards that provide guidance on when uncertain tax positions are recognized in an entity's financial statements and how the values of these positions are determined. No liability has been recorded as of December 31, 2014 or 2013 due to uncertain tax positions.
Part XI, Line 4b - Other Adjustments:	Reclass loss on fixed asset disposal -122,869.
Part XII, Line 2d - Other Adjustments:	Reclass Loss on Fixed Asset Disposal 122,869.

Schedule D (Form 990) 2014

Additional Data

Software ID:
Software Version:

- TIN:

Schedule J
(Form 990)

Department of the Treasury
Internal Revenue Service

Compensation Information

For certain Officers, Directors, Trustees, Key Employees, and Highest
Compensated Employees
SchJMediumBullet

Complete if the organization answered "Yes" to Form 990, Part IV, line 23.
SchJMediumBullet

Attach to Form 990.
SchJMediumBullet

Information about Schedule J (Form 990) and its instructions is at www.irs.gov/form990.

OMB No. 1545-0047

2014

Open to Public Inspection

Name of the organization

Consumer Credit Counseling Service of
Greater Atlanta Inc

Employer identification number

58-0942924

Part I

Questions Regarding Compensation

Yes

Check the appropiate box(es) if the organization provided any of the following to or for a person listed in Form
990, Part VII, Section A, line 1a. Complete Part III to provide any relevant information regarding these items.

First-class or charter travel Housing allowance or residence for personal use

Travel for companions Payments for business use of personal residence

Tax idemnification and gross-up payments Health or social club dues or initiation fees

Discretionary spending account Personal services (e.g., maid, chauffeur, chef)

If any of the boxes in line 1a are checked, did the organization follow a written policy regarding payment or reimbursement or provision of all of the expenses described above? If "No," complete Part III to explain....

Did the organization require substantiation prior to reimbursing or allowing expenses incurred by all
directors, trustees, officers, including the CEO/Executive Director, regarding the items checked in line 1a? ..

Indicate which, if any, of the following the filing organization used to establish the compensation of the
organization's CEO/Executive Director. Check all that apply. Do not check any boxes for methods
used by a related organization to establish compensation of the CEO/Executive Director, but explain in Part III.

Compensation committee Written employment contract

Independent compensation consultant Compensation survey or study

Form 990 of other organizations Approval by the board or compensation committee

During the year, did any person listed in Form 990, Part VII, Section A, line 1a with respect to the filing organization or a related organization:

Receive a severance payment or change-of-control payment? ................

Yes

Participate in, or receive payment from, a supplemental nonqualified retirement plan? .........

Yes

Participate in, or receive payment from, an equity-based compensation arrangement? .........

If "Yes" to any of lines 4a-c, list the persons and provide the applicable amounts for each item in Part III.

Only 501(c)(3), 501(c)(4), and 501(c)(29) organizations must complete lines 5-9.

For persons listed in Form 990, Part VII, Section A, line 1a, did the organization pay or accrue any
compensation contingent on the revenues of:

The organization? ...........................

Any related organization? .........................

If "Yes," to line 5a or 5b, describe in Part III.

For persons listed in Form 990, Part VII, Section A, line 1a, did the organization pay or accrue any
compensation contingent on the net earnings of:

The organization? ...........................

Any related organization? .........................

If "Yes," to line 6a or 6b, describe in Part III.

For persons listed in Form 990, Part VII, Section A, line 1a, did the organization provide any non-fixed
payments not described in lines 5 and 6? If "Yes," describe in Part III ............

Yes

Were any amounts reported in Form 990, Part VII, paid or accured pursuant to a contract that was
subject to the initial contract exception described in Regulations section 53.4958-4(a)(3)? If "Yes," describe
in Part III .............................

If "Yes" to line 8, did the organization also follow the rebuttable presumption procedure described in Regulations section 53.4958-6(c)? .........................

For Paperwork Reduction Act Notice, see the Instructions for Form 990.

Cat. No. 50053T

Schedule J (Form 990) 2014

Page 2

Part II

Officers, Directors, Trustees, Key Employees, and Highest Compensated Employees. Use duplicate copies if additional space is needed.

For each individual whose compensation must be reported in Schedule J, report compensation from the organization on row (i) and from related organizations, described in the
instructions, on row (ii). Do not list any individuals that are not listed on Form 990, Part VII.
Note. The sum of columns (B)(i)-(iii) for each listed individual must equal the total amount of Form 990, Part VII, Section A, line 1a, applicable column (D) and (E) amounts for that individual.

(A) Name and Title		(B) Breakdown of W-2 and/or 1099-MISC compensation			(C) Retirement and other deferred compensation	(D) Nontaxable benefits	(E) Total of columns (B)(i)-(D)	(F) Compensation in column(B) reported as deferred in prior Form 990
(A) Name and Title		(i) Base compensation	(ii) Bonus & incentive compensation	(iii) Other reportable compensation	(C) Retirement and other deferred compensation	(D) Nontaxable benefits	(E) Total of columns (B)(i)-(D)
1Gene FitzCFO	(i) (ii)	163,760 ............................... 0	0 ............................... 0	22,000 ............................... 0	17,113 ............................... 0	7,571 ............................... 0	210,444 ............................... 0	0 ............................... 0
2Dorris Shelton GulleyCFO	(i) (ii)	116,720 ............................... 0	7,651 ............................... 0	85,402 ............................... 0	8,391 ............................... 0	500 ............................... 0	218,664 ............................... 0	0 ............................... 0
3Christopher HonenbergerPresident & CEO	(i) (ii)	258,039 ............................... 0	0 ............................... 0	53,272 ............................... 0	496,805 ............................... 0	9,003 ............................... 0	817,119 ............................... 0	0 ............................... 0
4James CraigExec VP & COO	(i) (ii)	245,000 ............................... 0	0 ............................... 0	0 ............................... 0	1,508 ............................... 0	11,279 ............................... 0	257,787 ............................... 0	0 ............................... 0
5Michelle JonesSVP Counseling	(i) (ii)	190,876 ............................... 0	0 ............................... 0	15,000 ............................... 0	20,896 ............................... 0	12,987 ............................... 0	239,759 ............................... 0	0 ............................... 0
6Michele PearceSr. VP of Development & Community Ou	(i) (ii)	153,545 ............................... 0	0 ............................... 0	13,000 ............................... 0	6,595 ............................... 0	2,160 ............................... 0	175,300 ............................... 0	0 ............................... 0
7Martha LuceyChief Education Officer SVP	(i) (ii)	82,007 ............................... 0	5,045 ............................... 0	58,761 ............................... 0	5,721 ............................... 0	429 ............................... 0	151,963 ............................... 0	0 ............................... 0
8Phillip N BaldwinFormer President & CEO	(i) (ii)	35,308 ............................... 0	0 ............................... 0	0 ............................... 0	0 ............................... 0	0 ............................... 0	35,308 ............................... 0	0 ............................... 0

Schedule J (Form 990) 2014

Page 3

Part III

Supplemental Information

Provide the information, explanation, or descriptions required for Part I, lines 1a, 1b, 3, 4a, 4b, 4c, 5a, 5b, 6a, 6b, 7, and 8, and for Part II.
Also complete this part for any additional information.

Return Reference	Explanation
Part I, Lines 4a-b	Part I Line 4a: Mark Cole received severance compensation in the amount of $81,908. Dorris Gulley received severance compensation in the amount of $75,402. Martha Lucey received severance compensation in the amount of $58,761 Part I Line 4b: Nonqualified Deferred Compensation: $50,000 was contributed for Christopher Honenberger. The following individuals received payments from the 457 plan: Michelle S. Jones $15,000 Dorris A. Gulley 10,000 Michele Pearce 13,000 Sheri B. Foster 10,000
Part I, Line 7	Bonuses Paid & Accrued Dorris Shelton Gulley Bonus $ 7,651 Martha Lucey Bonus 5,045 Raynor Pennie Bonus 39,356 Chris Honenberger Bonus 436,000 Michelle Jones Bonus 13,843 Sheri Foster Bonus 8,263 Gene Fitz Bonus 10,719 On 12/31/13 Consumer Credit Counseling Service of Greater Atlanta, Inc acquired the assets and liabilities of ClearPoint Financial Solutions, Inc. To ensure business continuity, the merger agreement called for retention bonuses be paid to critical personnel. Relocation costs were also paid for one officer. Pursuant to the merger, the company assumed the contract obligation for Christopher Honenberger. Subsequent renegotiations of the contract were necessary to extend his services as President/CEO. In 2014, amounts were recorded to provide for a 2015 payment attributable to the renegotiated agreement.
Schdule J, Part II, Column (c)	Column (c) includes, in addition to employer share of pension contributions, accrued bonuses that have not been paid as of December 31, 2014.

Schedule J (Form 990) 2014

Additional Data

Software ID:
Software Version:

- TIN:

SCHEDULE O
(Form 990 or 990-EZ)

Department of the Treasury
Internal Revenue Service

Supplemental Information to Form 990 or 990-EZ

Complete to provide information for responses to specific questions on
Form 990 or 990-EZ or to provide any additional information.
MediumBullet

Attach to Form 990 or 990-EZ.
MediumBullet

Information about Schedule O (Form 990 or 990-EZ) and its instructions is at
www.irs.gov/form990.

OMB No. 1545-0047

2014

Open to Public
Inspection

Name of the organization

Consumer Credit Counseling Service of
Greater Atlanta Inc

Employer identification number

58-0942924

Return Reference	Explanation
Form 990 Part I Line 1 Description of Organization Mission:	Founded in 1964 in Atlanta, ClearPoint is a national nonprofit financial counseling agency serving clients in all 50 states and U.S. Territories. ClearPoint adheres to the high quality standards set forth by the Council on Accreditation, maintains membership in the National Foundation for Credit Counseling, is a US Department of Housing and Urban Development national housing intermediary, and is certified by the US Department of Justice ("EOUST") as a national bankruptcy counseling provider. Since 2000, we have served approximately four million consumers. In fulfilling its mission of "Consumer Health through Financial Education", we provide various consumer-based services including budget and credit counseling, housing counseling, financial education and outreach programs, bankruptcy counseling and education, and debtreduction programs. We offer these services in English and Spanish. We serve approximately 300,000 people per year.
Form 990, Part VI, Section B, line 11	The Audit Committee completes the initial review of the draft Form 990 and raises any questions or comments to the President and CFO. Questions are answered and the draft Form 990 is placed on the Board website for review by the full Board. During the earliest Board meeting, the Audit Committee Chair notifies the Board that the draft Form 990 is available on the website for review and issues a deadline for board members to submit questions or comments to the Audit Committe Chair and CFO. The Board has authorized the Audit Committee to approve the final submission to the IRS on or before the filing deadline.
Form 990, Part VI, Section B, line 12c	ClearPoint has established policies to ensure that all activities center around what is in the best interest of the clients we serve. The conflict of interest policies prohibit employees and board members from engaging in activities that may result in personal or professional gains from themselves, friends, family, colleagues, or the like. In addition, the agency's policies specify that governing body members and personnel who conduct business with or provide professional services to the organization must disclose the relationship and not participate in any vote regarding such business transactions or services. All employees are required to review and sign a Confidentiality and Conflict of Interest Statement at the time of hire and abide by the Conflict of Interest and Commitment Policy outlined in the employee manual. The Conflict of Interest Policy is reviewed with all new Board Members during their orientation and they are also required to sign off on this policy on an annual basis.
Form 990, Part VI, Section B, line 15	During the second quarter of each year, the Executive committee of the Board reviews the President's accomplishments from the previous year and considers what salary action should be recommended. As part of their decision making process the Committee reviews the agency's performance scoring scale and the rating and increase matrix for the current year, the President's current salary range, which is based on the most recent comprehensive salary review conducted by our outside consulting firm, the President's salary history, and updated market data from local non-profits, as well as other NFCC member agencies obtained from the latest available 990. Their decision is formulated within the context of the agency's budget increases for the current year. Other agency officers and highly paid employees receive an annual performance review and merit based increase based on their performance. The proposed increases for those individuals are reviewed and approved by the Executive Committee of the Board each year.
Form 990, Part VI, Section C, line 19	As a general rule our governing policies are not published and available to the general public. The agency website has a compliance page that provides the following information: Client Bill of Rights - The Client Bill of Rights is a component of Policy Q3: Client and Consumer Grievances and can be accessed on the Compliance page of the agency website. 990 availability - The Compliance page of the website states that the 990 is available upon request. Limited financial data can be found in the Community Report mailed to supporters and also available in the "Who We Are" section of our website. Privacy Policy - This is not an agency governing policy, but a commitment to protect our client's personally identifiable information and can be accessed on the Compliance page of the agency website. Required state licensing and disclosure information - The Agreement for Services includes all required state licensing and disclosure information and is located on the Compliance page. Required state licensing and disclosure information - The Authorization/Agreement for services includes all required state licensing and disclosure information and is located on the Compliance page.
Form 990 Part XII Line 2c	No changes have been made to the process of auditor selection or review of the audited financial statements.

For Paperwork Reduction Act Notice, see the Instructions for Form 990 or 990-EZ.

Cat. No. 51056K

Schedule O (Form 990 or 990-EZ) 2014

Additional Data

Software ID:
Software Version:

		Prior Year	Current Year
8	Contributions and grants (Part VIII, line 1h) .........	17,539,543	17,304,358
9	Program service revenue (Part VIII, line 2g) .........	6,863,257	10,887,176
10	Investment income (Part VIII, column (A), lines 3, 4, and 7d ) ....	15,442	365,616
11	Other revenue (Part VIII, column (A), lines 5, 6d, 8c, 9c, 10c, and 11e)	0	94,918
12	Total revenue—add lines 8 through 11 (must equal Part VIII, column (A), line 12)...................	24,418,242	28,652,068
13	Grants and similar amounts paid (Part IX, column (A), lines 1–3 )...	0	0
14	Benefits paid to or for members (Part IX, column (A), line 4).....	0	0
15	Salaries, other compensation, employee benefits (Part IX, column (A), lines 5–10)	17,911,464	23,048,202
16a	Professional fundraising fees (Part IX, column (A), line 11e).....	0	0
b	Total fundraising expenses (Part IX, column (D), line 25) 1,617,772
17	Other expenses (Part IX, column (A), lines 11a–11d, 11f–24e)....	10,989,018	14,460,461
18	Total expenses. Add lines 13–17 (must equal Part IX, column (A), line 25)	28,900,482	37,508,663
19	Revenue less expenses. Subtract line 18 from line 12.......	-4,482,240	-8,856,595
		Beginning of Current Year	End of Year
20	Total assets (Part X, line 16).............	31,327,726	26,405,952
21	Total liabilities (Part X, line 26).............	6,481,664	10,308,482
22	Net assets or fund balances. Subtract line 21 from line 20.....	24,846,062	16,097,470

Sign Here

	Signature of officer	Date

	Type or print name and title


4a	(Code: ) (Expenses $ 16,352,105 including grants of $ ) (Revenue $ 10,887,176 )
	CREDIT COUNSELING AND FINANCIAL EDUCATION:DURING 2014, CLEARPOINT, THROUGH ITS BRANCH NETWORK OF FINANCIAL SPECIALISTS, CONDUCTED NEARLY 37,000 CREDIT COUNSELING SESSIONS. THESE NO-COST COUNSELING SESSIONS WERE CONDUCTED IN PERSON, BY TELEPHONE, AND VIA THE INTERNET AND ARE OFFERED TO ANY PERSON IN NEED OF FINANCIAL ASSISTANCE. HISPANIC CENTERS FOR EXCELLENCEONE OF CLEARPOINT'S EMERGING MARKETS AND SERVICES IS THE WORK DONE BY OUR HISPANIC CENTERS FOR FINANCIAL EXCELLENCE (HCFE). HCFE'S PROVIDE RELATION-BASED, LONG-TERM FINANCIAL LITERACY SUPPORT IN LOW-TO-MODERATE INCOME HISPANIC COMMUNITIES. UNLIKE MOST OF CLEARPOINT'S TRADITIONAL CRISIS-BASED COUNSELING (FORECLOSURE PREVENTION, DEBT MANAGEMENT PROGRAMS, ETC.), THIS INNOVATIVE PROGRAM FOCUSES ON HELPING CONSUMERS ACCOMPLISH PROACTIVE GOAL-BASED OBJECTIVES. KEY GOALS OUTLINED BY HCFE CONSUMERS INCLUDE STARTING A BUSINESS, BUYING A CAR, UNDERSTANDING THE US BANKING SYSTEM, BUILDING/ESTABLISHING CREDIT, SAVING FOR COLLEGE, BUDGETING, ESTABLISHING SAVINGS, ELIMINATING DEBT AND LEARNING ABOUT RETIREMENT OPTIONS. THESE NEWLY OPENED GRANT FUNDED CENTERS, SERVICING THE ATLANTA, GA AND MIAMI, FL MARKETS, SERVICED A TOTAL OF 837 FAMILIES DURING 2014, WITH MORE EXPECTED IN 2015.BANKRUPTCY COUNSELING & EDUCATION:CLEARPOINT IS AUTHORIZED BY THE EXECUTIVE OFFICE OF US TRUSTEES (EOUST) TO PROVIDE COUNSELING AND EDUCATION, AS REQUIRED BY CONGRESS, TO THOSE FILING FOR PERSONAL BANKRUPTCY PROTECTION. CLEARPOINT COUNSELORS EVALUATE EACH CLIENT'S PERSONAL FINANCIAL SITUATION, EDUCATES THE CLIENT ON ALTERNATIVES TO BANKRUPTCY AND HELPS EACH CLIENT CREATE A PERSONAL BUDGET PLAN THAT MEETS HIS/HER FINANCIAL RESOURCES AND NEEDS. IN PRE-DISCHARGE BANKRUPTCY EDUCATION, COURSES ARE TAUGHT COVERING SUCH TOPICS AS: SETTING REALISTIC FINANCIAL GOALS; HOW TO READ YOUR CREDIT REPORT; OBTAINING OR RE-ESTABLISHING CREDIT; MANAGING BUDGETS AND MORE. 27,654 INDIVIDUALS WERE SERVED DURING 2014 FOR BANKRUPTCY COUNSELING AND EDUCATION.

4b	(Code: ) (Expenses $ 11,202,229 including grants of $ ) (Revenue $ 0 )
	HOUSING COUNSELING:PRE-PURCHASE HOUSING COUNSELINGLENDER AND LOCAL GOVERNMENT SPONSORED COUNSELING PROVIDED TO HELP CONSUMERS UNDERSTAND THE PROCESS AND PREPARE TO ACHIEVE AND MAINTAIN HOMEOWNERSHIP. PRE-PURCHASE COUNSELING HAS BEEN DEMONSTRATED TO BE AN EFFECTIVE TOOL IN REDUCING FUTURE MORTGAGE DELINQUENCIES AND FORECLOSURES. IN 2014, CLEARPOINT PROVIDED THIS SERVICE TO 3,257 POTENTIAL NEW HOMEOWNERS.EARLY INTERVENTION HOUSING COUNSELINGGOVERNMENT-SPONSORED ENTERPRISE AND MORTGAGE SERVICERS PROVIDE REFERRALS FOR HOMEOWNERS WHO ARE PAST DUE ON THEIR MORTGAGE PAYMENTS. OUTREACH AND COUNSELING ARE PROVIDED AT NO CHARGE TO CONSUMERS WITH THE GOAL OF REACHING HOMEOWNERS TO ASSESS THEIR FINANCIAL SITUATION, PROVIDE COUNSELING AND EDUCATION, AND ASSISTANCE COMMUNICATING WITH THEIR LOAN SERVICERS IF NEEDED BEFORE DELINQUENCY SPIRALS OUT OF CONTROL AND RESULTS IN FORECLOSURE. DURING 2014, 1,842 FULL COUNSELING SESSIONS CONDUCTED.FORECLOSURE PREVENTIONClearPoint STAFF PROVIDE INFORMATION, COUNSELING AND WORK WITH CONSUMERS AND SERVICERS TO HELP HOMEOWNERS AVOID FORECLOSURE AND MAINTAIN HOME OWNERSHIP. DURING 2014, CLEARPOINT ASSISTED OVER 27,000 HOMEOWNERS IN AVOIDING FORECLOSURE.POST-LOAN MODIFICATION COUNSELINGCLEARPOINT COUNSELORS PROVIDE ONGOING FINANCIAL COACHING TO HOMEOWNERS WHO HAVE RECEIVED A LOAN MODIFICATION. HOMEOWNERS ARE REFERRED BY A GOVERNMENT SPONSORED ENTERPRISE OR MORTGAGE SERVICERS. SERVICE IS PROVIDED FREE OF CHARGE TO THE HOMEOWNERS. COUNSELORS MEET WITH THE HOMEOWNER SEVERAL TIMES OVER THE FIRST YEAR OF THE MODIFICATION, HELPING WITH BUDGETING, CREDIT MANAGEMENT AND EDUCATIONAL ADVICE DESIGNED TO ADDRESS ANY LINGERING BUDGETARY ISSUES AND IMPROVE LIKELIHOOD OF SUCCESSFUL HOMEOWNERSHIP GOING FORWARD. CLEARPOINT PROVIDED THIS SERVICE TO 7,067 HOMEOWNERS DURING 2014.REVERSE MORTGAGEHECM CERTIFIED COUNSELORS PROVIDE CLEAR, OBJECTIVE ADVICE ABOUT REVERSE MORTGAGE PRODUCTS, COSTS, FEES AND PERSONAL BUDGETS TO SENIORS AND OFTEN THE FAMILY MEMBERS ASSISTING THEM SO THAT THEY MAKE SOUND DECISIONS ON THE EQUITY OF THEIR HOME FOR BOTH THEIR SHORT AND LONG TERM SITUATIONS. IN ADDITION, COUNSLORS PROVIDED GUIDANCE TO SENIORS AT RISK OF FORECLOSURE DUE TO UNPAID PROPERTY TAXES OR INSURANCE ON PROPERTY LEVERAGED BY A REVERSE MORTGAGE. COUNSELORS HELP FIND ADDITIONAL RESOURCES AND IMPROVE AFFORABILITY, ALLOWING SENIORS TO REPAY DELINQUENCIES AND REMAIN IN THEIR HOME. CLEARPOINT'S COUNSELORS SERVED OVER 8,300 SENIORS IN 2014.

4c	(Code: ) (Expenses $ 1,377,107 including grants of $ ) (Revenue $ )
	EDUCATION AND OUTREACHCLEARPOINT CONDUCTED 1,079 IN-PERSON EDUCATION SEMINARS AND WORKSHOPS WITH OVER 13,000 ATTENDEES DURING 2014. IN ADDITION, CLEARPOINT EMPLOYEES PARTICIPATED IN 276 COMMUNITY OUTREACH EVENTS, MEETING WITH OVER 10,500 CONSUMERS. REACHING OUT TO GROUPS IN THE COMMUNITIES WE SERVE, CLEARPOINT HELPS CLIENTS IDENTIFY AND AVOID FINANCIAL PROBLEMS AND PROVIDES GUIDANCE ON HOW BEST TO HANDLE THESE ISSUES. CLEARPOINT EXPANDED ITS REACH WITH THE ONLINE PERSONALIZED LEARNING PROGRAM (PLP), WITH OVER 4,000 NEW REGISTERED USERS COMPLETING NEARLY 1,900 LEARNING MODULES IN 2014. THIS FINANCIAL EDUCATION RESOURCE IS DESIGNED TO HELP CONSUMERS ENHANCE THEIR CAPABILITY 24 HOURS A DAY, 7 DAYS A WEEK IN A SECURED ONLINE ENVIRONMENT. THROUGH THE PLP, CONSUMERS CAN ACCESS ELEARNING COURSES AND ADDITIONAL SUPPORTIVE RESOURCES, IDENTIFY AND TRACK THEIR LEARNING AND PROGRESS TOWARDS FINANCIAL GOALS AND MILESTONES, MAINTAIN ONLINE FINANCIAL JOURNALS, CONNECT WITH OTHER LEARNERS AND CLEARPOINT COUNSELORS, AND DEVELOP PERSONALIZED ACTION PLANS FOR SUCCESS. CLEARPOINT'S WEBSITES ARE VISITED BY OVER 100K CONSUMERS EVERY MONTH, INCLUDING 15K NEW USERS TO OUR BUDGET CALCULATOR AND 30K TO OUR BLOG. WE PROVIDE A WIDE RANGE OF USEFUL, INTERACTIVE FINANCIAL EDUCATION CONTENT DESIGNED TO HELP PEOPLE ADDRESS FINANCIAL CHALLENGES AND IMPROVE THEIR PERSONAL SITUATION. CLEARPOINT IS ALSO ACTIVE ON ALL MAJOR SOCIAL NETWORKS, ENGAGING CONSUMERS AND ENCOURAGING THEM TO TALK ABOUT MONEY. POSTS TO OUR FACEBOOK, TWITTER, GOOGLE+, PINTEREST AND YELP PROFILES ENJOY THOUSANDS OF VIEWS, LIKES, COMMENTS AND SHARES, AND OUR YOUTUBE VIDEOS GET HUNDREDS OF THOUSANDS OF VIEWS A YEAR. IN 2014, THESE VIDEOS AND PUBLIC SERVICE MESSAGES NOT ONLY PROVIDE TIMELY, IMPACTFUL AND ENTERTAINING EDUCATION TO THE PUBLIC, BUT ALSO HIGHLIGHTED THE CREATIVE NATURE OF OUR TEAM. MANY HAVE WON VARIOUS AWARDS RECOGNIZING THEM FOR THEIR IMPACT AND EXCELLENCE IN THEIR ONLINE MESSAGING. CLEARPOINT CONTINUES TO BE HIGHLY VISIBLE IN THE NATIONAL MEDIA, APPEARING IN OVER 500 MEDIA STORIES AND WE'VE CONDUCTED PHONE BANKS IN MULTIPLE MARKETS WHERE COUNSELORS WERE ON HAND TO PROVIDE ADVICE TO CONSUMERS. OUR ONLINE AND VIDEO TIPS AT BBB.ORG ARE VISITED BY THOUSANDS OF CONSUMERS EACH YEAR. OUR LIFE AFTER DEBT CAMPAIGN GATHERED THOUSANDS OF PERSONAL STORIES FROM CONSUMERS ACROSS THE COUNTRY THROUGH 2014.

	(Code: ) (Expenses $ 694,461 including grants of $ ) (Revenue $ )
	On December 31, 2013 Consumer Credit Counseling Service of Greater Atlanta, (FKA CredAbility), acquired the net assets of ClearPoint Financial Solutions, Inc. No consideration was exchanged in the transaction. Under FASB's guidance for not-for-profit mergers and acquisitions, the transactionqualified as an acquisition of ClearPoint Financial Solutions by CredAbility. Therefore,the fair values of the assets acquired and the liabilities assumed were recorded as of December 31, 2013 and the excess of the assets over the liabilities of $18,958,648 was recorded as non-operating revenue on the statement of activities. Costs of $1,643,610 and $1,949,987 for the years ended December 31, 2014 and 2013, respectively, associated with the acquisition and restructuring are recorded as non-operating expenses on the statements of activities. These costs consistprimarily of one-time termination benefits, accelerated recovery ofcosts of capital expenditures, and legal and insurance expenses. Upon merger, the DBA of Consumer Credit Counseling Service of Greater Atlanta was changed to ClearPoint Financial Solutions.

4d	Other program services (Describe in Schedule O.)
	(Expenses $ 694,461 including grants of $ ) (Revenue $ )
4e	Total program service expenses29,625,902

1b	Sub-Total................
c	Total from continuation sheets to Part VII, Section A....
d	Total (add lines 1b and 1c)............	1,888,031	0	641,856

				(A) Total revenue	(B) Related or exempt function revenue	(C) Unrelated business revenue	(D) Revenue excluded from tax under sections 512-514
1a	Federated campaigns..1a		148,828
b	Membership dues....1b
c	Fundraising events....1c
d	Related organizations...1d
e	Government grants (contributions)1e		7,870,677

f	All other contributions, gifts, grants, and similar amounts not included above1f		9,284,853

g	Noncash contributions included in lines 1a-1f:$
h	Total. Add lines 1a-1f.......			17,304,358
			Business Code
2a	Client Revenue		541990	5,834,952	5,834,952
b	Creditor Revenue		541990	4,210,693	4,210,693
c	Bankruptcy Revenue		541990	830,515	830,515
d	Other Income		541990	11,016	11,016
e
f	All other program service revenue .
g	Total. Add lines 2a–2f........			10,887,176
3	Investment income (including dividends, interest, and other similar amounts).......			488,485			488,485
4	Income from investment of tax-exempt bond proceeds..
5	Royalties...........
		(i) Real	(ii) Personal
6a	Gross rents	94,918
b	Less: rental expenses	0
c	Rental income or (loss)	94,918
d	Net rental income or (loss).......			94,918			94,918
		(i) Securities	(ii) Other
7a	Gross amount from sales of assets other than inventory
b	Less: cost or other basis and sales expenses		122,869
c	Gain or (loss)		-122,869
d	Net gain or (loss)..........			-122,869			-122,869
8a	Gross income from fundraising events (not including $ of contributions reported on line 1c). See Part IV, line 18 ..
	a
b	Less: direct expenses ...b
c	Net income or (loss) from fundraising events..
9a	Gross income from gaming activities. See Part IV, line 19 ...
	a
b	Less: direct expenses ...b
c	Net income or (loss) from gaming activities...
10a	Gross sales of inventory, less returns and allowances .
	a
b	Less: cost of goods sold ..b
c	Net income or (loss) from sales of inventory..
Miscellaneous Revenue			Business Code
11a
b
c
d	All other revenue ....
e	Total. Add lines 11a–11d ......
12	Total revenue. See Instructions......			28,652,068	10,887,176	0	460,534

1	Briefly describe the organization’s mission or most significant activities: See Schedule O for complete description.
2	Check this box
3	Number of voting members of the governing body (Part VI, line 1a) ........	3	24
4	Number of independent voting members of the governing body (Part VI, line 1b) .....	4	24
5	Total number of individuals employed in calendar year 2014 (Part V, line 2a) ......	5	458
6	Total number of volunteers (estimate if necessary) .............	6	24
7a	Total unrelated business revenue from Part VIII, column (C), line 12 ........	7a	0
b	Net unrelated business taxable income from Form 990-T, line 34 .........	7b	0


				(A) Beginning of year		(B) End of year
1	Cash–non-interest-bearing .............			2,675,172	1	3,119,654
2	Savings and temporary cash investments .........			898,134	2	1,085,199
3	Pledges and grants receivable, net ...........			1,365,909	3	1,729,419
4	Accounts receivable, net .............			123,538	4	76,842
5	Loans and other receivables from current and former officers, directors, trustees, key employees, and highest compensated employees. Complete Part II of Schedule L ..................
					5
6	Loans and other receivables from other disqualified persons (as defined under section 4958(f)(1)), persons described in section 4958(c)(3)(B), and contributing employers and sponsoring organizations of section 501(c)(9) voluntary employees' beneficiary organizations (see instructions) Complete Part II of Schedule L
					6
7	Notes and loans receivable, net .............				7
8	Inventories for sale or use ..............			1,054	8	0
9	Prepaid expenses and deferred charges ..........			955,795	9	826,694
10a	Land, buildings, and equipment: cost or other basis. Complete Part VI of Schedule D	10a	14,662,559
b	Less: accumulated depreciation .....	10b	11,266,866	4,850,469	10c	3,395,693
11	Investments—publicly traded securities ..........			20,000,912	11	15,773,708
12	Investments—other securities. See Part IV, line 11 .....				12
13	Investments—program-related. See Part IV, line 11 .....				13
14	Intangible assets ...............				14
15	Other assets. See Part IV, line 11 ...........			456,743	15	398,743
16	Total assets. Add lines 1 through 15 (must equal line 34)......			31,327,726	16	26,405,952
17	Accounts payable and accrued expenses .........			5,241,549	17	4,762,916
18	Grants payable .................				18
19	Deferred revenue ................			331,613	19	2,378,281
20	Tax-exempt bond liabilities .............				20
21	Escrow or custodial account liability. Complete Part IV of Schedule D..			908,502	21	435,148
22	Loans and other payables to current and former officers, directors, trustees, key employees, highest compensated employees, and disqualified
	persons. Complete Part II of Schedule L..........				22
23	Secured mortgages and notes payable to unrelated third parties ..				23
24	Unsecured notes and loans payable to unrelated third parties ....				24
25	Other liabilities (including federal income tax, payables to related third parties, and other liabilities not included on lines 17-24). Complete Part X of Schedule D....................			0	25	2,732,137
26	Total liabilities. Add lines 17 through 25.........			6,481,664	26	10,308,482
	Organizations that follow SFAS 117 (ASC 958), check here and complete lines 27 through 29, and lines 33 and 34.
27	Unrestricted net assets ..............			22,866,431	27	15,074,342
28	Temporarily restricted net assets ...........			1,979,631	28	1,023,128
29	Permanently restricted net assets ...........				29
	Organizations that do not follow SFAS 117 (ASC 958), check here and complete lines 30 through 34.
30	Capital stock or trust principal, or current funds ........				30
31	Paid-in or capital surplus, or land, building or equipment fund .....				31
32	Retained earnings, endowment, accumulated income, or other funds				32
33	Total net assets or fund balances ...........			24,846,062	33	16,097,470
34	Total liabilities and net assets/fund balances ........			31,327,726	34	26,405,952