CONSUMER CREDIT AND BUDGET COUNSELING, INC. is a Vermont nonprofit corporation, registered on July 6, 1999. It is based at 299 SOUTH SHORE RD, MARMORA, NJ, 08223, United States. The company is currently listed as active on the Vermont register, is registered under company number 283271 and carries EIN 223569885. Its officers and directors on record include Shelly Hamm, JUDITH R SORENSEN, RUSSELL GRAVES, among 7 on file. It operates in other personal care services (NAICS 812199). Public records for the company include 1 SoS registration, 2 UCC liens, 2 licenses, 1 federal contract, 1 loan record, 2 non-profit filings and 4 Form 5500 filings. Every fact here is republished from an official public register and traces back to a primary source document.
| Legal entity name | CONSUMER CREDIT AND BUDGET COUNSELING, INC. |
|---|---|
| Doing business as | NATIONAL FOUNDATION FOR DEBT MANAGEMENT |
| Principal address | 299 SOUTH SHORE RDMARMORA08223NJUnited States |
| Mailing address | 13921 Icot Boulevard, Suite 706, CLEARWATER, FL, 33760 |
| Registration state | Vermont |
| Status | Active |
| Formed in | New Jersey (foreign registration) |
| Home company | CONSUMER CREDIT AND BUDGET COUNSELING, INC. |
| Registered | 6 July 1999 (about 27 years ago) |
| Officers & directors |
| Shelly Hamm, directorJUDITH R SORENSEN, officerRUSSELL GRAVES, officerCHARLES BENJAMIN, directorMichael Wetmore, directorBRIAN DOWNIE, directorDANIEL STEWART, director |
| Entity type | Nonprofit corporation |
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| Standing | compliant |
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| Company number | 283271 |
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| EIN | 223569885 |
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| Industry | Other Personal Care Services · NAICS 812199 |
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| Employees (modeled) | ≈20 employees2025 |
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| Registered agent | LAURA BLANDIN |
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| Source registry | Vermont Secretary of State · updated 15 June 2026 |
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| Public records | 1 SoS registration · 2 UCC liens on file |
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| Est. revenue (modeled) | $3M2025 |
|---|---|
| Nonprofit | Yes · 1 IRS filing |
| IRS exempt status | 501(c)(3) · ruled June 1998 · contributions deductible |
| NTEE category | P51 · Human services |
| Revenue (IRS) | $2,026,466 · tax year 2024 |
| Assets (IRS) | $689,897 · tax year 2024 |
| Form 990 filings | 1 return · latest 990 (2019) |
| Federal contractor | Yes · 1 federal recipient record (SAM) |
| SBA loans | $221K · approved amounts |
| State | Business name | Filed | Registered agent | Officers | Status | |
|---|---|---|---|---|---|---|
| VermontTHIS | CONSUMER CREDIT AND BUDGET COUNSELING, INC. | 1999-07-06 | LAURA BLANDIN | Shelly HammDirectorJUDITH R SORENSENOfficer5 more | Active | |
Filing ID 283271 Jurisdiction Foreign · Nonprofit corporationFormed in New Jersey Principal address 299 SOUTH SHORE RD, MARMORA, NJ, 08223, United States Registered agent LAURA BLANDINSMITH ROAD, P.O. BOX 102, EAST BARRE, VT, 05649 Officers Shelly HammDirector JUDITH R SORENSENOfficer RUSSELL GRAVESOfficer CHARLES BENJAMINDirector Michael WetmoreDirector BRIAN DOWNIEDirector DANIEL STEWARTDirector | ||||||
| Alabama | Consumer Credit and Budget Counseling, Inc. | 2010-11-24 | NATIONAL REGISTERED AGENTS INC | — | Active | |
| Arkansas | CONSUMER CREDIT AND BUDGET COUNSELING, INC. | 2010-09-21 | NATIONAL REGISTERED AGENTS, INC | RUSSELL E. GRAVESOfficerSHELLY HAMMDirector6 more | Inactive | |
| Arizona | NATIONAL FOUNDATION FOR DEBT MANAGEMENT, INC. | 2003-04-07 | NATIONAL REGISTERED AGENTS INC | SUSAN SPAULDINGDirectorRALPH R DYEROfficer, Director3 more | Inactive | |
| Arizona | CONSUMER CREDIT AND BUDGET COUNSELING, INC. | 2010-10-29 | NATIONAL REGISTERED AGENTS INC | SHELLY HAMMDirectorJUDITH R SORENSENOfficer5 more | Pending | |
| California | NATIONAL FOUNDATION FOR DEBT MANAGEMENT, INC. | 2003-05-16 | NATIONAL REGISTERED AGENTS, INC | JUDITH R SORENSENOfficerRALPH R DYEROfficer | Revoked | |
| California | CONSUMER CREDIT AND BUDGET COUNSELING, INC. | 2004-06-10 | NATIONAL REGISTERED AGENTS, INC | JUDITH R SORENSENOfficerRUSSELL E GRAVESOfficer | Active | |
| Colorado | Consumer Credit and Budget Counseling, Inc. | 2010-11-05 | NATIONAL REGISTERED AGENTS, INC | — | Active | |
| Connecticut | CONSUMER CREDIT AND BUDGET COUNSELING, INC. | 2011-11-09 | NATIONAL REGISTERED AGENTS, INC | RUSSELL E. GRAVESOfficerJUDITH R. SORENSENOfficer | Active | |
| District of Columbia | CONSUMER CREDIT AND BUDGET COUNSELING INC. | 2010-12-08 | NATIONAL REGISTERED AGENTS INC | Russell E GravesOwnerShelly HammOwner5 more | Active | |
| Delaware | CONSUMER CREDIT AND BUDGET COUNSELING, INC. | 2011-05-09 | NATIONAL REGISTERED AGENTS, INC. | — | Unknown | |
| Florida | CONSUMER CREDIT AND BUDGET COUNSELING, INC. | 2010-09-21 | NRAI SERVICES, INC | Daniel V StewartDirector, OfficerJUDITH R SORENSENOfficer4 more | Active | |
| Georgia | CONSUMER CREDIT AND BUDGET COUNSELING, INC. | 2004-02-11 | National Registered Agents, Inc | Judith SorensenOfficerRUSSELL GRAVESOfficer | Active | |
| Hawaii | NATIONAL FOUNDATION FOR DEBT MANAGEMENT, INC. | 2003-08-05 | NATIONAL FOUNDATION FOR DEBT MANAGEMENT, INC | DYER,RALPH ROfficerTASH,JOSEPHDirector5 more | Withdrawn | |
| Hawaii | CONSUMER CREDIT AND BUDGET COUNSELING, INC. | 2010-09-20 | NATIONAL REGISTERED AGENTS, INC | GRAVES,RUSSELL EOfficerSORENSEN,JUDITH ROfficer5 more | Active | |
| Iowa | CONSUMER CREDIT AND BUDGET COUNSELING, INC. | 2010-10-28 | NATIONAL REGISTERED AGENTS, INC | DANIEL V STEWARTDirectorBRIAN DOWNIEDirector5 more | Active | |
| Idaho | CONSUMER CREDIT AND BUDGET COUNSELING, INC. | 2010-10-28 | NATIONAL REGISTERED AGENTS INC | CHARLES BENJAMINDirectorBRIAN DOWNIEDirector5 more | Active | |
| Indiana | NATIONAL FOUNDATION FOR DEBT MANAGEMENT, INC. | 2003-02-06 | NATIONAL REGISTERED AGENTS INC | RALPH R DYEROfficerJUDITH R. SORENSENOfficer1 more | Withdrawn | |
| Indiana | CONSUMER CREDIT AND BUDGET COUNSELING, INC. | 2010-10-27 | NATIONAL REGISTERED AGENTS, INC | Judith SorensenOfficerRussell E GravesOfficer | Active | |
| Kansas | CONSUMER CREDIT AND BUDGET COUNSELING, INC. | 2010-11-15 | NATIONAL REGISTERED AGENTS, INC | — | Active | |
| Kentucky | CONSUMER CREDIT AND BUDGET COUNSELING, INC. | 2010-09-21 | National Registered Agents, Inc | Judith Roe SorensenOfficerRussell Evan GravesOfficer5 more | Active | |
| Louisiana | CONSUMER CREDIT AND BUDGET COUNSELING, INC. | 2010-10-27 | NATIONAL REGISTERED AGENTS, INC | CHARLES BENJAMINDirectorRUSSELL E. GRAVESOfficer, Director7 more | Active | |
| Massachusetts | NATIONAL FOUNDATION FOR DEBT MANAGEMENT, INC. | 2003-02-27 | NATIONAL REGISTERED AGENTS, INC | Judith R SorensenOfficerSUSAN M SPAULDINGDirector4 more | Inactive | |
| Massachusetts | CONSUMER CREDIT AND BUDGET COUNSELING, INC. | 2002-11-29 | NATIONAL REGISTERED AGENTS, INC | Michael WetmoreDirectorRussell E GravesOfficer, Director5 more | Active | |
| Maryland | CONSUMER CREDIT AND BUDGET COUNSELING, INC | 2010-10-29 | NATIONAL REGISTERED AGENTS, INC. OF MD | — | Active | |
| Maine | CONSUMER CREDIT AND BUDGET COUNSELING, INC. | 2011-09-26 | NATIONAL REGISTERED AGENTS, INC | — | Active | |
| Michigan | CONSUMER CREDIT AND BUDGET COUNSELING, INC. | 2011-01-06 | NATIONAL REGISTERED AGENTS, INC | — | Active | |
| Minnesota | Consumer Credit and Budget Counseling, Inc. | 2010-10-28 | National Registered Agents, Inc | — | Active | |
| Missouri | CONSUMER CREDIT AND BUDGET COUNSELING, INC. | 2010-09-17 | NATIONAL REGISTERED AGENTS, INC | Shelly HammDirectorDaniel StewartDirector5 more | Active | |
| Mississippi | Consumer Credit and Budget Counseling, Inc. | 2010-10-29 | NATIONAL REGISTERED AGENTS INC | Russell E GravesDirector, Officer | Active | |
| Montana | CONSUMER CREDIT AND BUDGET COUNSELING, INC. | 2010-11-26 | NATIONAL REGISTERED AGENTS INC | SHELLY M HAMMDirectorDANIEL V STEWARTDirector5 more | Active | |
| North Carolina | Consumer Credit and Budget Counseling, Inc. | 2010-09-23 | National Registered Agents, Inc | — | Active | |
| North Dakota | CONSUMER CREDIT AND BUDGET COUNSELING, INC. | 2010-10-29 | NATIONAL REGISTERED AGENTS, INC | — | Active | |
| Nebraska | NATIONAL FOUNDATION FOR DEBT MANAGEMENT | 2011-11-04 | NATIONAL REGISTERED AGENTS, INC | RALPH R DYEROfficerRUSSELL E GRAVESOfficer, Director8 more | Active | |
| New Hampshire | Consumer Credit and Budget Counseling, Inc. | 2005-03-01 | National Registered Agents, Inc | Charles H. BenjaminDirectorBrian S. DownieDirector5 more | Suspended | |
| New Jersey | CONSUMER CREDIT AND BUDGET COUNSELING, INC. | 1998-03-03 | — | — | Unknown | |
| New Mexico | CONSUMER CREDIT AND BUDGET COUNSELING, INC. | 2010-11-09 | NATIONAL REGISTERED AGENTS INC | CHARLES H BENJAMINDirectorRUSSELL GRAVESOfficer6 more | Active | |
| Nevada | NATIONAL FOUNDATION FOR DEBT MANAGEMENT, INC. | 2003-03-28 | NATIONAL REGISTERED AGENTS, INC | RONALD P HILLDirectorJEFFREY S KIKOLERDirector4 more | Withdrawn | |
| Nevada | CONSUMER CREDIT AND BUDGET COUNSELING, INC. | 2010-11-04 | NATIONAL REGISTERED AGENTS, INC | Judith SorensenOfficerBrian DownieDirector7 more | Active | |
| New York | CONSUMER CREDIT AND BUDGET COUNSELING, INC. | 2003-07-09 | CONSUMER CREDIT AND BUDGET COUNSELING, INC | — | Active | |
| Ohio | CONSUMER CREDIT AND BUDGET COUNSELING, INC | 2010-09-21 | CONSUMER CREDIT AND BUDGET COUNSELING, INC | — | Canceled | |
| Oklahoma | CONSUMER CREDIT AND BUDGET COUNSELING, INC. | 2010-09-17 | NATIONAL REGISTERED AGENTS, INC | — | Active | |
| Oklahoma | CONSUMER CREDIT AND BUDGET COUNSELING, INC. | 2013-08-01 | — | — | Active | |
| Oregon | CONSUMER CREDIT AND BUDGET COUNSELING, INC. | 2010-11-24 | NATIONAL REGISTERED AGENTS, INC | JUDITH R SORENSENOfficer | Active | |
| Pennsylvania | Consumer Credit and Budget Counseling, Inc. | 2010-10-28 | — | Judith SorensenOfficer, Director | Active | |
| Rhode Island | Consumer Credit and Budget Counseling, Inc. | 2010-11-03 | NATIONAL REGISTERED AGENTS, INC | JUDITH R SORENSENOfficerCHARLES H BENJAMINDirector6 more | Active | |
| South Carolina | CONSUMER CREDIT AND BUDGET COUNSELING, INC. | 2010-11-16 | NATIONAL REGISTERED AGENTS, INC | — | Active | |
| South Carolina | CONSUMER CREDIT AND BUDGET COUNSELING, INC. | 2010-10-26 | — | — | Active | |
| South Dakota | CONSUMER CREDIT AND BUDGET COUNSELING, INC. | 2010-09-20 | NATIONAL REGISTERED AGENTS, INC | — | Active | |
| Tennessee | CONSUMER CREDIT AND BUDGET COUNSELING, INC. | 2010-10-28 | NATIONAL REGISTERED AGENTS, INC | — | Active | |
| Texas | Consumer Credit and Budget Counseling, Inc. | 2010-09-17 | National Registered Agents, Inc | DANIEL STEWARTDirectorRussell E GravesOfficer5 more | Active | |
| Utah | CONSUMER CREDIT AND BUDGET COUNSELING, INC. | 2010-10-27 | NATIONAL REGISTERED AGENTS, INC | SHELLY HAMMDirectorJUDITH R SORENSENOfficer6 more | Inactive | |
| Virginia | CONSUMER CREDIT AND BUDGET COUNSELING, INC. | 2002-06-05 | NATIONAL REGISTERED AGENTS INC | RUSSELL E GRAVESDirector, OfficerBRIAN DOWNIEOfficer5 more | Active | |
| Vermont | NATIONAL FOUNDATION FOR DEBT MANAGEMENT, INC. | 2002-12-18 | NATIONAL REGISTERED AGENTS, INC | RALPH R. DYEROfficerGEORGE E. ROEOfficer4 more | Inactive | |
| Vermont | CONSUMER CREDIT AND BUDGET COUNSELING, INC. | 1999-07-06 | LAURA BLANDIN | ANDREW SCHIFFERDirectorRUSSELL GRAVESOfficer4 more | Active | |
| Vermont | CONSUMER CREDIT AND BUDGET COUNSELING, INC. | 1999-07-06 | LAURA BLANDIN | RUSSELL GRAVESOfficerJUDITH R SORENSENOfficer4 more | Active | |
| Washington | CONSUMER CREDIT AND BUDGET COUNSELING, INC. | 2010-09-21 | CT CORPORATION | RUSSELL GRAVESDirectorCHARLES BENJAMINDirector5 more | Active | |
| West Virginia | CONSUMER CREDIT AND BUDGET COUNSELING, INC. | 2010-09-17 | NATIONAL REGISTERED AGENTS, INC | JUDITH R. SORENSENOfficerCHARLES BENJAMINDirector2 more | Active | |
| Wyoming | Consumer Credit and Budget Counseling, Inc. | 2010-09-24 | National Registered Agents, Inc | — | Active | |
Companies and people linked to CONSUMER CREDIT AND BUDGET COUNSELING, INC. in the state registers through shared officers, a shared registered agent, shared filing contacts or a shared address. Service companies file for many unrelated businesses — a shared agent, address or contact alone does not prove affiliation.
company person group former role
| State | License / ID | Type | Issued | Status | |
|---|---|---|---|---|---|
| Alaska | 988074 | — | 2013-04-03 | Active | |
| Connecticut | — | CORPORATION | — | INACTIVE | |
| Amount | Approved | Lender | Jobs | Status | |
|---|---|---|---|---|---|
| $220,963 | 04/27/2020 | Seacoast National Bank | 17 | Paid in Full | |
Employee-benefit plan filings by CONSUMER CREDIT AND BUDGET COUNSELING, INC. with the Department of Labor. Employee and revenue figures are modeled estimates derived from retirement-plan participant counts and industry ratios — not official headcount or reported revenue.
| Employees (modeled) | ≈20 · plan year 2025 |
|---|---|
| Est. annual revenue (modeled) | $3M |
| Retirement plan assets | $1.7M |
| Benefit plans | 401(k) plan on file |
| Filing history | 13 plan years filed, 2013–2025 |
| Sponsor EIN | 22-3569885 |
| Plan year | Employees (est.) | Participants | Plan assets | Revenue (est.) | 401(k) | |
|---|---|---|---|---|---|---|
| 2025 | ≈20 | 27 (18 active) | $1.7M | $3M | 401(k) | |
| 2024 | ≈20 | 27 (18 active) | $1.4M | $3M | 401(k) | |
| 2023 | ≈24 | 27 (22 active) | $1.3M | $3.2M | 401(k) | |
| 2022 | ≈18 | 20 (16 active) | $1M | $3.4M | 401(k) | |
| 2021 | ≈17 | 24 (15 active) | $1.1M | $3.2M | 401(k) | |
| 2020 | ≈18 | 25 (16 active) | $951,015 | $3.2M | 401(k) | |
| 2019 | ≈22 | 29 (20 active) | $795,732 | $3.9M | 401(k) | |
| 2018 | ≈32 | 36 (29 active) | $609,223 | $4.3M | 401(k) | |
| 2017 | ≈30 | 33 (27 active) | $602,193 | $4.2M | 401(k) | |
| 2016 | ≈27 | 28 (24 active) | $472,946 | $3.9M | 401(k) | |
Matched Form 5500 filing records:
| Plan | Plan year | Participants | EIN | |
|---|---|---|---|---|
| NATIONAL FOUNDATION FOR DEBT MANAGEMENT 401K PROFIT SHARING PLAN | — | — | — | |
| NATIONAL FOUNDATION FOR DEBT MANAGEMENT 401K PROFIT SHARING PLAN | — | — | — | |
| NATIONAL FOUNDATION FOR DEBT MANAGEMENT 401K PROFIT SHARING PLAN | — | — | — | |
| NATIONAL FOUNDATION FOR DEBT MANAGEMENT 401K PROFIT SHARING PLAN | — | — | — | |
Federal court records load when you reach this section.
Companies adjacent to CONSUMER CREDIT AND BUDGET COUNSELING, INC. in the Vermont Secretary of State register, in alphabetical order.
3 companies are registered at 299 SOUTH SHORE RD, MARMORA — shared registered-office and agent addresses are common; a shared address alone does not link businesses.
Netstate aggregates public records from federal, state and municipal sources; records are matched to this company by its registered legal names. Latest source snapshot 2026-06-08. Document getpalm-companies/8537-5994-3850.