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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
—
filing since
2020
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 · 14

what they do

direct service · 14
  • 7 Steps to a 720 Credit Score program Debt Management & Credit Repair Services
    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.
  • 7 Steps to a 720 Credit Score program Debt Management & Credit Repair Services
    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.
  • Car financing and purchase education Bankruptcy Counseling & Education
    Provides education on how to responsibly purchase a car, including guidance for individuals recovering from bankruptcy.
  • Credit Counseling and Debtor Education Bankruptcy Counseling & 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 Rebuilder Program Debt Management & Credit Repair Services
    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.
  • Credit Rebuilder Program Debt Management & Credit Repair Services
    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 counseling and debtor-education classes Bankruptcy Counseling & Education
    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 Bankruptcy Counseling & Education
    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.
  • Fair Credit Reporting Act Assistance Credit Monitoring & Reporting Services
    Connects individuals with law firms for free credit report reviews and assistance with disputing errors or representation under the Fair Credit Reporting Act.
  • Financial Education Resources Debt Management & Credit Repair Services
    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 Bankruptcy Counseling & Education
    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 Bankruptcy Counseling & Education
    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 report review and dispute assistance Credit Monitoring & Reporting Services
    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 Credit Monitoring & Reporting Services
    Connects individuals with law firms for free credit report reviews and support in disputing errors or obtaining representation under the Fair Credit Reporting Act.
strategies · 13

how they think

Theories of action extracted from this org's own source material. Click any approach shared with other orgs to see the full field.

  • Asset Protection and Home Equity Preservation in Bankruptcy homestead_exemption_protection unique to this org
    Utilizes state-specific homestead exemptions and Chapter 13 repayment plans to protect home equity and help clients retain homeownership during bankruptcy proceedings.
  • Asset Protection through Bankruptcy Strategies homestead_exemption_protection unique to this org
    Utilizes specific bankruptcy provisions, such as state homestead exemption laws and Chapter 13 repayment plans, to protect home equity and allow individuals to retain ownership of their assets during and after the bankruptcy process.
  • Bankruptcy Compliance and Support compliance_support unique to this org
    Provides courses and support to help individuals meet the educational requirements of the Bankruptcy Act for both Chapter 7 and Chapter 13 filings, offering a "no hassle" approach and fee waivers for eligible low-income individuals.
  • Compliance-Oriented Bankruptcy Education compliance_support unique to this org
    Provides credit counseling and personal financial management courses that meet the requirements of the Bankruptcy Act for individuals filing Chapter 7 or 13, with a "no hassle" approach and fee waivers for eligible low-income individuals.
  • Comprehensive Bankruptcy Support with Pre- and Post-Filing Services comprehensive_bankruptcy_support unique to this org
    Offers end-to-end support including pre-filing consultations, compliance with legal education requirements, and post-bankruptcy credit rebuilding to ensure long-term financial stability and a smooth legal process.
  • Credit Rebuilding and Education credit_education unique to this org
    Educates individuals on how the credit system works and provides strategies for rebuilding credit after financial distress, including specific steps like obtaining credit cards and installment accounts, monitoring credit reports, and aiming for a target credit score within a defined timeframe.
  • Holistic Financial Empowerment Through Counseling and Education holistic_financial_empowerment unique to this org
    Combines non-judgmental financial counseling with education on personal worth and financial systems to promote dignity, personal growth, and long-term financial well-being.
  • Holistic Financial Empowerment through Education financial_counseling_and_education unique to this org
    Employs financial counseling and education to empower individuals, improve their financial well-being, and support personal growth, operating with a non-judgmental philosophy that separates debt from personal worth. This includes post-bankruptcy support for financial rebuilding and credit improvement.
  • Holistic Financial Empowerment through Education financial_counseling_and_education unique to this org
    Combines non-judgmental financial counseling with education to empower individuals, improve their financial well-being, and support personal growth, operating under the philosophy that debt does not define a person's worth.
  • Personalized Bankruptcy Guidance personalized_financial_counseling unique to this org
    Provides tailored educational guidance and professional advice to individuals navigating bankruptcy, helping them choose between Chapter 7 and Chapter 13 based on their unique financial circumstances and legal requirements, with a focus on asset protection and long-term stability.
  • Personalized Bankruptcy Guidance and Chapter Selection bankruptcy-education unique to this org
    Provides tailored counseling to help individuals choose between Chapter 7 and Chapter 13 bankruptcy based on their unique financial situation, income, assets, and legal requirements, ensuring informed decision-making and optimal outcomes.
  • Post-Bankruptcy Financial Rebuilding and Credit Improvement post_bankruptcy_rebuilding unique to this org
    Offers comprehensive support after bankruptcy, including credit report review, education on credit system mechanics, and practical strategies (e.g., specific credit card and installment account usage) to rebuild credit, achieve high credit scores, and ensure long-term financial stability.
  • Structured Credit Rebuilding Post-Bankruptcy credit education unique to this org
    Provides targeted education and strategies—such as obtaining multiple credit cards, adding installment accounts, and maintaining low balances—to help individuals achieve a 720 credit score within 18–24 months after bankruptcy.
financials · form 990EZ · fy2022

the money

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%
leadership · form 990 part vii · fy2022

who runs it

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.