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Evergreen Financial Counseling

Scottsdale, AZ · EIN 271336063 · Form 990EZ · FY2022 · NTEE P51 · Human Services · Small ($100K-$1M) · www.evergreenclass.com
revenue
$123K
expenses
$121K
net assets
$-15K
employees
mission · from form 990

Charitable & Educational

profile · synthesized from sources

Evergreen Financial Counseling provides educational resources and guidance to help individuals rebuild credit and navigate bankruptcy. The organization focuses on empowering people with financial literacy, particularly after major financial setbacks like bankruptcy, and connects them with tools and professionals to restore financial stability. Their content emphasizes practical strategies for credit rebuilding and informed decision-making.

named programs · 4 · from sources

what they call their work

Bankruptcy Attorney Finder
Service connecting individuals with local bankruptcy attorneys through a vetted referral network, emphasizing post-bankruptcy support and local expertise
Chapter 7 vs Chapter 13 Bankruptcy Guide
Resource explaining the differences between bankruptcy chapters to help individuals choose the appropriate path based on income, assets, and financial goals
Senior Home Protection in Bankruptcy
Educational initiative focused on helping seniors understand homestead exemptions and protect their homes and retirement income during bankruptcy
Top 3 Credit Cards to Rebuild Credit
Educational program guiding individuals post-bankruptcy on selecting and using three specific credit cards to rebuild credit effectively
activities · 3 groups

what they do

  • Credit Counseling and Debt Management 11 activities
    • 7 Steps to a 720 Credit Score program
      Offers a free credit-improvement course to individuals who complete both credit counseling and debtor-education courses, with the goal of helping those with poor credit achieve a 720 credit score within 12 to 24 months.
    • 7 Steps to a 720 Credit Score program
      Offers a free credit-improvement course to individuals who complete both credit counseling and debtor-education courses; the program aims to help participants reach a 720 credit score within 12 to 24 months, especially those rebuilding from very poor credit.
    • Car financing and purchase education
      Provides education on how to responsibly purchase a car, including guidance for individuals recovering from bankruptcy.
    • Credit Rebuilder Program
      Offers an ongoing financial counseling service that helps individuals understand their financial situation, explore debt elimination options, and improve their credit scores through structured guidance and support.
    • Credit Rebuilder Program
      Offers an ongoing financial counseling service that helps individuals understand their financial situation, explore debt elimination options, and work toward improving their credit scores, with a goal of achieving a 720 score within 12 to 24 months for those with very poor credit.
    • Credit Rebuilder Program
      Offers the Credit Rebuilder Program, which includes the "7 Steps to a 720 Credit Score" program, to help individuals improve their credit scores, potentially achieving a 720 score within 12 to 24 months. This program is offered to those who complete both credit counseling and debtor education courses through Evergreen.
    • Financial Education Resources
      Creates video resources and action guides to explain financial topics, including responsible car purchasing (even after bankruptcy), and provides tools like a 153-word letter designed to improve credit scores by 20 to 40 points.
    • Financial education resources
      Creates video resources and educational materials explaining financial topics such as responsible car purchasing after bankruptcy, debt management, and post-bankruptcy financial planning.
    • Financial education resources
      Creates video resources and action guides with practical tools—such as a standardized 153-word letter—to help individuals recover from bankruptcy, manage debt, improve credit scores by 20–40 points, and make responsible financial decisions like purchasing a car after bankruptcy.
    • Financial education resources and tools
      Creates video resources and distributes action guides with practical tools—such as a standardized 153-word letter—to help individuals recover from bankruptcy, manage debt, and improve their credit scores by 20 to 40 points.
    • Free credit score improvement program
      Offers a free "7 Steps to a 720 Credit Score" course to individuals who complete both credit counseling and debtor-education courses, supported by action guides and tools designed to improve credit scores by 20 to 40 points.
  • Bankruptcy Counseling and Education Services 4 activities
    • Credit Counseling and Debtor Education
      Provides credit counseling and debtor-education classes, available online or over the telephone, to help individuals understand their financial situation and explore debt elimination options. This includes a post-bankruptcy debtor-education course.
    • Credit counseling and debtor-education classes
      Provides credit counseling and mandatory post-bankruptcy debtor-education (personal financial management) courses delivered online or over the telephone, designed to meet federal requirements and support financial recovery.
    • Credit counseling and debtor-education courses
      Provides credit counseling and mandatory debtor-education classes, available online or over the telephone, designed to support individuals in financial distress, including those undergoing bankruptcy proceedings.
    • Credit counseling and debtor-education courses
      Provides credit counseling and mandatory post-bankruptcy debtor-education (personal financial management) courses delivered online or over the telephone, with completion leading to enrollment in advanced credit-improvement programming.
  • One-on-One Financial Coaching and Mentoring 4 activities
    • Fair Credit Reporting Act Assistance
      Connects individuals with law firms for free credit report reviews and assistance with disputing errors or representation under the Fair Credit Reporting Act.
    • Free credit report review and dispute assistance
      Connects individuals with law firms for free credit report reviews and provides assistance in disputing errors or securing representation under the Fair Credit Reporting Act.
    • Free credit report review and legal assistance
      Connects individuals with law firms for free credit report reviews and support in disputing errors or obtaining representation under the Fair Credit Reporting Act.
    • Legal support linkage for credit issues
      Connects individuals with law firms for free credit report reviews and assistance in disputing errors or obtaining representation under the Fair Credit Reporting Act.
financials · form 990EZ · fy2022
revenue
Total revenue$123K
Contributions & grants$123K100%
Program service revenue
Investment income
Other revenue
expenses
Total expenses$121K
Program expenses
Admin / overhead
Fundraising
Salaries & benefits$69K
Grants paid out
balance sheet
Total assets$61K
Cash
Investments
Liabilities
Net assets$-15K
3 years on record · 2020–2022 · YoY revenue -21.3%
relationships · 4

who they work with

  • HELPS Law Group Partner — Collaborates with HELPS Law Group to provide expert insights on bankruptcy and home protection for seniors.
  • Law firms Partner — Provides counseling courses to clients referred by law firms, aiming to save law firms 45 minutes per filing.
  • Sunrise Rural Dwellers Partner — Receives donations from Evergreen Financial Counseling to support children's access to education in Uvuru, Nigeria.
  • bankruptcy-solution.com Partner — Connects users to vetted bankruptcy attorneys and offers free consultations through a referral network.