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MONEY MANAGEMENT INTERNATIONAL INC
PHOENIX, AZ · EIN 541837741 · Form 990 · FY2022 · NTEE P51 · Human Services · Large ($10M-$50M) · www.moneymanagement.org
revenue
$37.3M
expenses
$39.7M
net assets
$26.8M
employees
320
volunteers
8
program ratio
86%
mission · from form 990

WE STRIVE TO BENEFIT THE COMMUNITY BY PROVIDING EXCEPTIONAL FINANCIAL EDUCATION AND COUNSELING PROGRAMS INCLUDING CREDIT, HOUSING, AND BANKRUPTCY COUNSELING.

profile · synthesized from sources

Money Management International (MMI) is a nonprofit credit counseling agency that provides debt relief solutions. They offer debt management plans to consolidate debt into a single payment with reduced interest rates, and debt resolution plans for consumers with delinquent debts. MMI aims to help individuals achieve financial stability and reduce stress associated with debt.

irs program accomplishments · form 990 part iii · fy2022

what they reported doing

Program narrative the organization filed with the IRS. Ordered by program spending.

  1. #1 primary $13.09M
    HOUSING COUNSELING AND EDUCATION - SEE SCHEDULE O.
  2. #2 $292K
    SINCE 2005, MMI HAS BEEN APPROVED TO PROVIDE PRE-FILING BANKRUPTCY COUNSELING AND ISSUE COUNSELING CERTIFICATES IN COMPLIANCE WITH THE BANKRUPTCY CODE. MMI IS ALSO APPROVED TO DELIVER PRE-DISCHARGE BANKRUPTCY EDUCATION SERVICES ALONG WITH THE CERTIFICATE OF PARTICIPATION THAT ALLOWS THE CONSUMER TO PROCEED WITH THE BANKRUPTCY DISCHARGE PROCESS. IN 2022, MMI PROVIDED MORE THAN 500 COUNSELING SESSIONS FOR CONSUMERS PRIOR TO THEIR FILING FOR BANKRUPTCY AND 200 CONSUMERS PARTICIPATED IN PRE-DISCHARGE EDUCATION PROGRAMS.
named programs · 3 · from sources

what they call their work

Debt Management Plan (DMP)
A structured repayment program that consolidates unsecured debt into a single monthly payment without a loan, negotiates reduced interest rates with creditors, and helps clients become debt-free up to 7x faster than paying independently
Debt Resolution Plan (DRP)
A nonprofit debt settlement program that negotiates partial repayment of delinquent or charged-off debts, often as low as 50% of the original balance, with clients making monthly deposits until settlement agreements are reached
Housing Counseling
HUD-certified counseling services to support consumers with housing-related financial challenges.
activities · 5 groups

what they do

  • Housing Counseling & Homebuyer Education 14 activities
    • HUD-Certified Housing Counseling
      Provides consumer housing counseling services certified by the U.S. Department of Housing and Urban Development (HUD).
    • HUD-Certified Housing Counseling
      Provides consumer housing counseling services certified by the U.S. Department of Housing and Urban Development (HUD).
    • Homebuyer Counseling and Education
      Offers homebuyer counseling and education programs, including pre-purchase counseling for first-time homebuyers, high-cost loan counseling, and the HomeREACH Mortgage Prep Program. It also provides self-paced online courses like "Essentials for Buying a Home," Framework, and eHome America, all meeting HUD and national industry standards.
    • Homebuyer Counseling and Education
      Offers homebuyer counseling and education programs, including pre-purchase counseling for first-time homebuyers, high-cost loan counseling, and the HomeREACH Mortgage Prep Program. It also provides self-paced online courses like "Essentials for Buying a Home," Framework, and eHome America, all meeting HUD and national industry standards.
    • Homebuyer Education Programs
      Offers various homebuyer education programs, including the HomeREACH Mortgage Prep Program and self-paced online courses like "Essentials for Buying a Home," Framework, and eHome America, all of which meet HUD and national industry standards and result in a certificate and action plan upon completion.
    • Homebuyer Education Programs
      Offers multiple homebuyer counseling and education programs, including the HomeREACH Mortgage Prep Program, and online courses such as "Essentials for Buying a Home," Framework, and eHome America, all meeting HUD and national industry standards, culminating in a certificate and action plan.
    • Homebuyer Education and Counseling
      Offers homebuyer counseling and education programs including in-person and online courses such as Framework, eHome America, and Essentials for Buying a Home, which meet HUD and national industry standards, resulting in a certificate and action plan upon completion; also operates the HomeREACH Mortgage Prep Program with monthly check-ins for those not yet mortgage-qualified.
    • Housing Counseling
      Provides HUD-certified consumer housing counseling services, including pre-purchase counseling for first-time homebuyers, high-cost loan counseling, and eviction counseling to help tenants find resolutions with landlords.
    • Housing Counseling (HUD-Certified)
      Provides consumer housing counseling services certified by the U.S. Department of Housing and Urban Development (HUD), including pre-purchase counseling, high-cost loan counseling under HOEPA, and eviction prevention support.
    • Housing Counseling Services
      Provides HUD-certified consumer housing counseling, including pre-purchase counseling for first-time homebuyers, high-cost loan counseling under HOEPA, and eviction counseling to help tenants resolve housing issues with landlords.
    • Reverse Mortgage Counseling
      Provides reverse mortgage counseling to homeowners aged 62 and older pursuing a Home Equity Conversion Mortgage (HECM) loan, issuing HECM counseling certificates upon completion.
    • Reverse Mortgage Counseling
      Provides mandatory reverse mortgage counseling to homeowners aged 62 and older pursuing a Home Equity Conversion Mortgage (HECM) loan and issues HECM counseling certificates upon completion.
    • Reverse Mortgage Counseling
      Provides reverse mortgage counseling to homeowners aged 62 and older pursuing a Home Equity Conversion Mortgage (HECM) loan, issuing HECM counseling certificates upon completion.
    • Reverse Mortgage Counseling
      Provides mandatory reverse mortgage counseling for homeowners aged 62 and older pursuing a Home Equity Conversion Mortgage (HECM), issuing HECM counseling certificates upon completion.
  • Credit Counseling and Debt Management 6 activities
    • Debt Management Plans
      Provides customized debt management plans that consolidate multiple debts into a single affordable payment without a loan, reduce interest rates by up to 75%, and help clients become debt-free up to seven times faster, with average completion in 24 months and average interest rates below 7%. Clients typically improve their credit scores, with an average 82-point increase after program completion.
    • Financial Counseling
      Provides 24/7 telephone-based and in-person financial counseling services nationwide, addressing budget shortages, debt, and general financial health.
    • Financial Counseling
      Provides 24/7 telephone-based and in-person financial counseling services nationwide, addressing various financial challenges including budget shortages and general financial management.
    • In-Person Financial Counseling
      Offers in-person financial counseling by appointment at branch offices nationwide, providing personalized guidance on budgeting, debt, and financial planning.
    • Telephone and In-Person Financial Counseling
      Provides 24/7 telephone-based financial counseling and in-person counseling by appointment at branch offices nationwide, including free online and phone counseling to address budget shortages and prevent evictions.
    • Telephone and Online Financial Counseling
      Provides free financial counseling 24 hours a day, 7 days a week via telephone and online platforms, including support for budgeting, debt management, and crisis situations such as eviction or disaster recovery.
  • Bankruptcy Counseling and Education Services 5 activities
    • Bankruptcy Counseling and Education
      Provides pre-filing bankruptcy counseling and pre-discharge bankruptcy education courses, issuing certificates of participation required for personal bankruptcy proceedings.
    • Bankruptcy Counseling and Education
      Provides pre-filing bankruptcy counseling and pre-discharge bankruptcy education courses, issuing certificates of participation required for personal bankruptcy proceedings.
    • Bankruptcy Counseling and Education Services
      Offers pre-filing bankruptcy counseling and pre-discharge bankruptcy education courses, issuing certificates required for personal bankruptcy proceedings.
    • Pre-Discharge Bankruptcy Education
      Offers pre-discharge bankruptcy education courses and issues certificates of participation necessary to complete personal bankruptcy proceedings.
    • Pre-Filing Bankruptcy Counseling
      Provides mandatory pre-filing bankruptcy counseling and issues certificates of participation required for individuals initiating personal bankruptcy proceedings.
  • Professional Accreditation & Certification Maintenance 2 activities
    • Accreditation and Professional Affiliations
      Maintains accreditation from the Council on Accreditation and is a member of the National Foundation for Credit Counseling and the Financial Counseling Association of America, reflecting adherence to national standards in financial counseling.
    • Industry Affiliations and Accreditation
      Maintains membership in the National Foundation for Credit Counseling and the Financial Counseling Association of America, and is accredited by the Council on Accreditation, demonstrating adherence to national standards in financial counseling.
  • Uncategorized 14 activities
    • Debt Management Plans
      Offers customized debt management plans that consolidate multiple debts into a single payment, negotiate interest rate reductions (up to 75%), and help clients pay off debt faster (up to 7 times quicker) with an average interest rate below 7%, typically improving credit scores by 82 points after completion. These plans involve an average $37 set-up fee and $26 monthly fee.
    • Debt Management Plans
      Provides customized debt management plans that consolidate multiple debts into a single affordable payment without requiring a loan, helping clients repay credit card debt up to 7 times faster, reduce interest rates by up to 75%, and improve credit scores—on average by 82 points—while typically completing the program in as little as 24 months with average interest below 7%.
    • Debt Management Plans
      Offers customized debt management plans that consolidate multiple debts into a single payment, negotiate interest rate reductions (up to 75%), and help clients pay off debt more quickly (up to 7 times faster) with an average interest rate below 7%, typically improving credit scores by 82 points after completion. These plans are available for an average set-up fee of $37 and a monthly fee of $26.
    • Debt Resolution Program
      Operates a debt resolution program in over 30 states that negotiates with creditors for reduced payoffs, makes payments on behalf of clients, and closes accounts upon settlement, with an average monthly fee of $26.59 in 2025.
    • Debt Resolution Program
      Operates a debt resolution program that negotiates reduced payoffs with creditors, makes payments on behalf of clients, and closes settled accounts, offering the service in over 30 states with an average monthly fee of $26.59.
    • Debt Resolution Program
      Operates a debt resolution program in over 30 states that negotiates with creditors for reduced payoffs, makes payments on behalf of clients, and closes accounts upon settlement, charging an average fee of $26.59 per month.
    • Debt Resolution Program
      Operates a debt resolution program that negotiates reduced payoffs with creditors, makes payments on behalf of clients, and closes settled accounts, available in over 30 states with an average monthly fee of $26.59.
    • Debt Resolution Program
      Operates a debt resolution program in over 30 states that negotiates with creditors for reduced payoffs, makes payments on behalf of clients, and closes accounts upon settlement, charging an average fee of $26.59 per month.
    • Disaster Financial Recovery Counseling
      Provides free post-disaster financial recovery counseling and personalized assistance to disaster survivors through Project Porchlight, including monthly support from a recovery specialist for up to one year.
    • Disaster Financial Recovery Counseling (Project Porchlight)
      Provides free post-disaster financial recovery counseling and personalized assistance to disaster survivors through Project Porchlight, including monthly support from a recovery specialist for up to one year.
    • Eviction Counseling
      Offers eviction counseling to help tenants review options, address underlying causes of eviction, and find resolutions with landlords.
    • Eviction Counseling
      Offers eviction counseling to help tenants review options, address underlying causes of potential eviction, and find resolutions with landlords.
    • Post-Disaster Financial Recovery Counseling
      Provides free post-disaster financial recovery counseling through Project Porchlight, offering personalized assistance and monthly support from a recovery specialist for up to one year to disaster survivors.
    • Post-Disaster Financial Recovery Counseling
      Provides free financial recovery counseling and personalized assistance to disaster survivors through Project Porchlight, including monthly support from a recovery specialist for up to one year.
financials · form 990 · fy2022
revenue
Total revenue$37.25M
Contributions & grants$13.35M36%
Program service revenue$23.45M63%
Investment income$391K1%
Other revenue$63K
expenses
Total expenses$39.69M
Program expenses86%
Admin / overhead13%
Fundraising1%
Salaries & benefits$25.49M
Grants paid out$0
Largest expense lineCompensation
balance sheet
Total assets$39.94M
Cash$4.07M
Investments$19.84M
Liabilities$13.16M
Net assets$26.78M
Liquid reserves7.2 mo
3 years on record · 2020–2022 · YoY revenue -11.2%
leadership · form 990 part vii · fy2022

who runs it

paid leadership · 14
NameTitleHours/wkCompensation
JIM TRIGGS PRESIDENT & CEO 40 $441K
LYLE LANSDELL CHIEF FINANCIAL OFFICER/TR 40 $365K
MICHELLE JONES CHIEF EXTERNAL AFFAIRS OFF 40 $343K
ZYNDA SELLERS CHIEF COMPLIANCE OFFICER/S 40 $286K
DANIEL LEVINE CHIEF TECHNOLOGY OFFICER 40 $284K
THOMAS DE POY SR. VICE PRESIDENT, INDUSTRY RELATIONS 40 $216K
JAIME E PAYNE VICE PRESIDENT OPERATIONS 40 $182K
CHRISTOPHER FONTENOT VICE PRESIDENT, INFORMATION T 40 $165K
ANTHONY SCATAGLIA END 1021 FORMER CHIEF OPERATING OFFICER 40 $161K
CHRIS T RAY VICE PRESIDENT, MARKETING 40 $154K
TYRA TURNQUEST SR. DIRECTOR, INFORMATION TECHNOLOGY 40 $146K
MATTHEW KIRK MUELLER DIRECTOR, INFORMATION TECHNOLOGY 40 $146K
CHELSEA LOUISE TAYLOR SR. VICE PRESIDENT, HUMAN RESOURCES 40 $145K
NAVITHA VASU MANAGER, INFORMATION TECHNOLOGY 40 $141K
board members · 8
  • ANNE-MARIE BAKER — DIRECTOR
  • DOUGLAS DURNIN — AUDIT CHAIR (TERM END 12/22)
  • ELIZABETH HOTZE — DIRECTOR
  • GREG MCBRIDE — COMPENSATION & INVESTMENT CHAIR
  • JERRY NEMORIN — DIRECTOR
  • KAREN ANCILLAI — BOARD RESOURCES CHAIR
  • MANUEL MARIO PERDOMO — DIRECTOR
  • WILLIAM A PUPO — DIRECTOR
relationships · 22

who they work with

  • Council on Accreditation Government — Accredited by COA to ensure high standards in service and support for clients and employees.
  • Council on Accreditation Government — Accredited by COA, an independent human service accrediting organization that verifies service quality
  • Council on Accreditation Government — Accredited by COA, an independent nonprofit human service accrediting organization, through a peer-reviewed process.
  • Council on Accreditation Government — Accrediting body that has accredited MMI for meeting high standards in service and support.
  • Council on Accreditation Government — Proudly accredited by COA, an independent nonprofit human service accrediting organization that ensures high standards of service and support.
  • Financial Counseling Association of America Network — Member association representing financial counseling organizations.
  • Financial Counseling Association of America Network — Member of FCAA, a national association representing financial counseling companies providing a range of consumer financial services.
  • Financial Counseling Association of America Network — Member of FCAA, a national association representing organizations that provide consumer credit and financial counseling
  • Financial Counseling Association of America Network — Member organization providing consumer credit counseling and financial education services through FCAA.
  • Financial Counseling Association of America Network — Proud member of FCAA, a national association representing financial counseling companies providing credit counseling, housing counseling, and debt management services.
  • HUD Government — Offers homebuyer education programs that meet HUD standards.
  • National Foundation for Credit Counseling Network — Longstanding member of the NFCC, the nation’s largest nonprofit financial counseling organization
  • National Foundation for Credit Counseling Network — Longstanding member organization of the NFCC, the nation’s largest nonprofit financial counseling organization.
  • National Foundation for Credit Counseling Network — Longstanding member organization providing financial counseling services under the NFCC network.
  • National Foundation for Credit Counseling Network — Member organization providing financial counseling and education services.
  • U.S. Department of Housing and Urban Development Government — Certified by HUD to provide consumer housing counseling as part of its mission to support quality affordable housing and sustainable communities.
  • U.S. Department of Housing and Urban Development Government — Certified by HUD to provide consumer housing counseling services
  • U.S. Department of Housing and Urban Development Government — Certified by HUD to provide consumer housing counseling services.
  • U.S. Department of Housing and Urban Development Government — Certifies MMI to provide consumer housing counseling services.
  • U.S. Department of Housing and Urban Development Government — HUD-certifies the reverse mortgage counselors and mandates counseling for HECM loans.
  • legal aid organizations Partner — Works alongside legal aid organizations to assist tenants in fighting potentially unlawful evictions.
  • tenant advocacy groups Partner — Collaborates with tenant advocacy groups to support tenants facing eviction.