Program areas at Pioneer Credit Counseling
Black Hills Children's Ranch, Inc d/b/a Pioneer Credit Counseling offers several options to consumers seeking help in financial education, budgeting and debt management. A consumer will initially visit with one of our certified Credit counselors (certified through the guidelines of the financial Counseling association of america (fcaa)) to discuss the goals of the consumer. If they are primarily seeking assistance in establishing a monthly budget or reviewing their financial situation, this will be done at no charge to the consumer and can be completed within an hour or two whether face to face or by phone depending on the consumers financial situation. We also provide consumers on a daily basis with housing Counseling (at no cost), reverse mortgage (hecm) Counseling, student loan Counseling, prebankruptcy Counseling and post-bankruptcy education. There are some instances in which after their initial consultation, the consumer determines that they would like or need further assistance in reducing payments to unsecured creditors or due to their budget not being within their means. In such situations a certified Credit counselor may recommend enrollment in our debt management program as a means of additional assistance and ongoing Counseling. We provide a wide range of information through our state of the art web-site 24/7, which has account information for those that have enrolled on our debt management program in addition to being available by phone monday-friday, 7:00 a.m. to 7:00 pm and sat, 8-12 pm mountain time. Bhcr d/b/a Pioneer Credit Counseling is also a registered agency through bureau veritas certification and operates a quality management system in compliance with the requirements of the international standards organiation 9001-2015 and the fcaa code of practice, as well as a participant of the better business bureau care program. Black Hills Children's Ranch, Inc. d/b/a Pioneer Credit Counseling has had over 8,500 Counseling sessions in the year of 2023 alone with an estimated 500 of those consumers determining their needs to enroll in our debt management program. Many of our Counseling and educational sessions are provided at no charge to the public. Black Hills Children's Ranch, Inc. d/b/a Pioneer Credit Counseling provides anyone that is in need of our education programs and services, regardless of their ability to pay. Our latest education program, a new day, is available 24 /7 and in 2023 there were over 6,000 consumers which completed our course. In the year 2023, the number of enrollees for the simplified guide to financial life skills were over 8,500. This workbook covers basic money management and financial life skills. Chapters as follows: pretest (this helps measure the financial literacy of each individual) chapter 1 identifying debt warning signs chapter 2 - setting up a family budget chapter 3 tips for making a budget chapter 4 shopping guide, budget help chapter 5 money management help chapter 6 conquering your financial stress chapter 7 tips for dealing with your creditors & planning, preparing and managing your financial future final test (submitted to Pioneer Credit Counseling for grading and recording the measurement of their success.) Glossary / appendix (this includes terms which appear on creditor statements and Credit report to enhance the consumers financial literacy.) Of those completing the course with a passing grade on the final test, graduated and received a graduation certificate.
Who funds Pioneer Credit Counseling
Grants from foundations and other nonprofits
Personnel at Pioneer Credit Counseling
Name | Title | Compensation | Date of data |
---|
Todd Ossenfort | President and Chief Operating Officer | $102,000 | 2022-12-31 |
Laca Ossenfort | Secretary and Treasurer and Administ | $110,000 | 2023-03-10 |
Annie Edwards Processing | Director - Accredited Financial Counselor - Certified Hud Housing Counselor - Certified Reverse Mortgage Counselor | | 2022-08-27 |
Tia Jiron | Director of Counseling and Education - Certified Debt Management | | 2022-08-27 |
Kimberly Jackson | Accounting Manager | $54,577 | 2022-08-27 |
...and 3 more key personnel |
Financials for Pioneer Credit Counseling
Revenues | FYE 12/2023 | FYE 12/2022 | % Change |
---|
Total grants, contributions, etc. | $136,428 | $394,150 | -65.4% |
Program services | $734,928 | $924,281 | -20.5% |
Investment income and dividends | $3,593 | $1,510 | 137.9% |
Tax-exempt bond proceeds | $0 | $0 | - |
Royalty revenue | $0 | $0 | - |
Net rental income | $0 | $0 | - |
Net gain from sale of non-inventory assets | $0 | $0 | - |
Net income from fundraising events | $0 | $0 | - |
Net income from gaming activities | $0 | $0 | - |
Net income from sales of inventory | $0 | $0 | - |
Miscellaneous revenues | $1,749 | $1,772 | -1.3% |
Total revenues | $876,698 | $1,321,713 | -33.7% |
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Breaking Chains Ministries | 501(c)(3) | Clarkesville, GA | $252,060 |
Prepare and Prosper | 501(c)(3) | Saint Paul, MN | $2,572,017 |
The Diaper Bank of Connecticut | 501(c)(3) | North Haven, CT | $2,413,787 |
Consumer Credit Counseling Service of Rochester | 501(c)(3) | Rochester, NY | $3,189,728 |
Sweet Cheeks Diaper Bank | 501(c)(3) | Cincinnati, OH | $1,183,384 |
Save A Warrior | 501(c)(3) | Columbus, OH | $3,045,907 |
Consumer Education and Training Services | 501(c)(3) | Seattle, WA | $253,952 |
Giving Hope and Help | 501(c)(3) | Kansas City, MO | $249,626 |
Womens Health Innovations of Arizona | 501(c)(3) | Gilbert, AZ | $1,646,161 |
Life Options of West Tennessee | 501(c)(3) | Brighton, TN | $514,148 |
Data update history
June 17, 2023
Posted financials
Added Form 990 for fiscal year 2022
May 31, 2022
Updated personnel
Identified 3 new personnel
August 21, 2021
Posted financials
Added Form 990 for fiscal year 2019
July 13, 2021
Posted financials
Added Form 990 for fiscal year 2020
Nonprofit Types
Human service organizationsFamily service centersCharities
Issues
HealthHuman servicesDiseases and disorders
Characteristics
LobbyingState / local levelReceives government fundingTax deductible donationsAccepts online donations
General information
- Address
- 3620 Homestead St Suite 1
- Rapid City, SD 57703
- Metro area
- Rapid City, SD
- County
- Pennington County, SD
- Website URL
- pioneercredit.com/Â
- Phone
- (605) 348-1608
IRS details
- EIN
- 46-0358693
- Fiscal year end
- December
- Taxreturn type
- Form 990
- Year formed
- 1980
- Eligible to receive tax-deductible contributions (Pub 78)
- Yes
Categorization
- NTEE code, primary
- P50: Personal Social Services
- NAICS code, primary
- 624190: Individual and Family Services
- Parent/child status
- Independent
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