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Credit Processing Expert Witness

Expert Witness No.1777




1967-1968    John C. Calhoun Technical College (Cal Tech), Decatur, AL
1968-1970    Southern State College, Magnolia, AR


Credit / Lending Education

Toyota Quality Financial Management                          
Toyota Financial Services Lease and Retail            
General Motors Acceptance Corporation            
Ford Motor Credit Corporation                
Nissan Motor Acceptance Corporation            
Red Carpet Lease Program                         
Security Pacific Credit Retail and Lease
Equifax (CBI) Training Programs
Experian Training Programs
Trans Union Training Programs
Service Life & Casualty Training
Equal Rights & Anti-Discrimination Training


Auto Sales and Lending Career and Experience

Over 30 years of Lending and arranging Loan transactions as I served in the following capacities:

Finance Director
General Manager                    
General Sales Manager
New Car Sales Manager
Used Car Sales Manager    
Vice-President Dealer Operations
President and CEO of a Leasing Company
National Automotive Sales Trainer            
Trainer and Speaker on Identity Theft Prevention


Credit and Lending Industry Experience

Evaluated and processed over 100,000 credit applications and determined what Lender to place the customer with. I formulated over 60,000 credit extension decisions as approved by Bank officers.

Currently conducting seminars and training programs on detecting, deterring, and reporting identity theft and fraud in automobile dealerships.  This is a list of the dealerships in which I have held such training seminars (multiple visits over a period of time unless one date is show):

Don Herring Mitsubishi North, Plano, TX  Sep 2005
Popular Ford, Brooklyn, NY  2005
Fred Haas Toyota, Houston, TX  2005 & 2006
Eldorado Chevrolet McKinney, TX  2005-2007
Lynn Smith Chevrolet, Burleson, TX  2006
Freeman Toyota, Hurst, TX  2005 & 2006
Graff Chevrolet, Grand Prairie, TX  2006
Hudiberg Toyota, Chevrolet & GMC Oklahoma City, OK  2007 – 90 days
Riverside Toyota, Tulsa, OK  2007
Gillman Acura, Mitsubishi, Subaru, Houston, TX  2005-2007


Licenses and Certifications

Texas Department of Insurance – Limited lines and Group II Credit Insurance Licenses
Certified by the Association of Certified Fraud Examiners
Certified by University of Toyota – Finance and Insurance


Credit Damage Consultation and Expert Witness Capabilities

Credit report evaluation
Financial calculations
Federal Truth in Lending    
Discrimination in Lending
Evaluate testimony
Consumer Leasing Act    
Consumer transaction
Unfair and deceptive acts
Breach of warranty
Consumer fraud
Identify sales systems
Modern credit scoring
Civil theft or conversion
Insurance issues                
Role of lending institutions
Unfair debt collection
Regulation Z        
Permissible credit access            
Credit extension practices
Pressure sales tactic
Privacy Acts
Disclosure to consumers    
Credit damages assessment
Sarbanes Oxley Act
Patriot Act            
Specter-Feinstein Act
Fair & Accurate Transaction Act



Association of Certified Fraud Examiners
Sons of the American Revolution
Vietnam Veterans of America – Life Member
Sons of Confederate Veterans
Lamar County, Alabama Genealogy Society
Carroll County, Georgia Genealogy Society

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