Association for Consumer Debt Relief
Revenue
$6.5m
year to 31 December 2025
Expenses
$6.4m
year to 31 December 2025
Total assets
$3m
$12k liabilities
Net assets
$3m
assets less liabilities
Directors and trustees
10
2.3 years on average
Staff
8
employees, year to 31 December 2025
Left since last filing
0
no seats appear to have opened
Officers and senior staff
5
named in Part VII
Association for Consumer Debt Relief's network
10 peoplei10 people on this map.The large node is the subject of this page. Solid lines are what the register itself records (10). Form 990 filings give names without a person identifier; SEC insider filings carry a CIK.The board
10 listediTime on the board is observed from the annual filings: the IRS files no appointment date, so the bar counts years from the first filing the person appears on - a lower bound, not a filed start date. Names are exactly as filed. The IRS publishes no person identifier, so this edition does not yet link a person across organisations.Time served and departures are observed across annual filings. Observed time served is a lower bound - a member may have joined before the first year on record. The organisation reported 10 voting members of its governing body on its latest Form 990 Part VI, which matches the board listed here.| Name | Role as filed | Since | On the board |
|---|---|---|---|
| Nicholas Kosmas Chair | Board Chair | 2025 | 1 yr |
| Alex Kleyner | Board Member | 2025 | 1 yr |
| Corey Butcher | Board Secret | 2025 | 1 yr |
| Demetrios Boutris | Board Vice C | 2025 | 1 yr |
| Kris Kehler | Board Member | 2025 | 1 yr |
| Mohit Sofat | Board Member | 2025 | 1 yr |
| Randi Sellari | Board Member | 2025 | 1 yr |
| Robby H Birnbaum (also filed as Robby Birnbaum) | Board Member | 2018 | 8 yrs |
| Sean Fox | Board Member | 2023 | 3 yrs |
| Steve Petreveski | Board Treasu | 2025 | 1 yr |
Under 5 years5 to 6 years6 years or more
Officers and senior leadership
5 listediNamed in Part VII as officers, key employees or highest-compensated staff - not board members, shown for completeness.| Name | Title as filed | On the filings |
|---|---|---|
| Denise Dunckel | CEO | since 2022 |
| Jason Mulvihill | President & | 2025 |
| Michael Komaschka | Govt Affairs | 2025 |
| Michael Lukso | Head of Govt | 2025 |
| Stacey Silva | Head of Comp | 2025 |
Pay and hours
year to 31 December 2025iFrom Part VII of the Form 990: compensation reported for each officer, director, trustee, key employee and highest-paid staff member, and the average hours a week they report. Most board members are unpaid; a blank means nothing was reported. Pay from related organisations is shown separately.| Name | Title as filed | Hours a week | Pay from the organisation | Related organisations | Other |
|---|---|---|---|---|---|
| Jason Mulvihill | President & | 40 | $511k | $17k | |
| Denise Morse | Former CEO | 40 | $429k | $9k | |
| Stacey Silva | Head of Comp | 40 | $226k | $9k | |
| Michael Komaschka | Govt Affairs | 40 | $167k | $5k | |
| Michael Lukso | Head of Govt | 40 | $153k | ||
| Robby Birnbaum | Board Member | 5 | $0 | ||
| Demetrios Boutris | Board Vice C | 5 | $0 | ||
| Corey Butcher | Board Secret | 5 | $0 | ||
| Sean Fox | Board Member | 5 | $0 | ||
| Kris Kehler | Board Member | 5 | $0 | ||
| Alex Kleyner | Board Member | 5 | $0 | ||
| Nicholas Kosmas | Board Chair | 5 | $0 | ||
| Steve Petreveski | Board Treasu | 5 | $0 | ||
| Randi Sellari | Board Member | 5 | $0 | ||
| Mohit Sofat | Board Member | 5 | $0 |
About
- Legal name
- Association for Consumer Debt Relief
- EIN
- 203796648
- Address
- 601 13th St Nw Ste 710s, Washington, DC, 20005-3839
- State
- District of Columbia
- Mission
- To ensure consumers in every state have access to high-quality accredited debt relief services. (as filed on the Form 990)
- Activity (NTEE)
- S41 Community improvement and capacity building
- IRS classification
- 501(c)06 (tax-exempt under section 501(c)(3) where shown)
- Classified purpose
- Community Improvement & Capacity Building
- Size band
- 6 (IRS master file code)
- Formed
- 2005
- Principal officer
- Jason Mulvihill (as named on the Form 990)
- IRS ruling date
- 1 March 2010
- Status
- Code 01 (unconditional exemption)
- Form 990 filings on record
- 6, latest 2025
Most connected
Longest observed on the filings
≥8years on the filingsRobby H Birnbaum
≥3years on the filingsSean Fox
≥1years on the filingsNicholas Kosmas
≥1years on the filingsAlex Kleyner
Latest return
year to 31 December 2025iFigures from the newest Form 990 or 990-EZ in the IRS e-file releases of 2025 and 2026, for the year ending 31 December 2025. US dollars, as filed.- Total assets
- $3m
- Total liabilities
- $12k
- Net assets or fund balances
- $3m
- Contributions and grants received
- $0
- Program service revenue
- $6.5m
- Grants and similar paid out
- $310k
- Employees
- 8
Grants paid
2 listediFrom Schedule I of the Form 990: grants and assistance to organisations in the United States, largest first (up to 25). Schedule I is filed only by organisations that gave more than $5,000 to any one recipient.| Recipient | Purpose | Amount |
|---|---|---|
| Government Affairs | $181k | |
| Campaign Contributions | $129k |
State registration
1 entityiBusiness-entity registers published by US states. These records are matched to this organisation by name and state, not by EIN, and are labelled as likely matches. Street addresses are not shown.Association for Consumer Debt Relief likely matchiMatched by exact name and state (and ZIP where shown). State registers do not publish EINs, so this is not a confirmed match. Source: DC Department of Licensing and Consumer Protection (DLCP), corporate registrations (opendata.dc.gov). Licence: CC BY 4.0. Attribution: DC DLCP. Data last fetched 18 October 2026.
- State
- District of Columbia
- Entity type
- Foreign Nonprofit Corporation
- Status
- Revoked
- Formed
- 1 September 2023
- Registered agent
- C T Corporation System (city and state not held)