Work Experience

Affiliated Collections Services LLC
> July 1998 to Present

President of state wide collection agency, specializing in the areas of financial institutions instruments ie. Credit card debt, deficiencies on car loans, lines of credit, secured loans personal loans, bank accounts, bad checks, insurance subrogation, medical and allied health field debt. Presently purchasing debt and members of the Debt Buyers Association

Department of Economic Development
> August 1988 to November 1993

Division of savings and Loan Supervision: General Counsel and registered Lobbyist; duties entail, legislation drafting; analysis and tracking, regulation promulgation and rule making. Authored the Missouri Savings Bank Act. Regulate Mortgage Brokers, areas of concentration include mergers, consolidations, acquisitions, stock conversions, holding company formation, RTC transaction review and approval and general corporate mattes.  Routinely interpret Missouri laws as it pertains to savings and loans, real estate, mortgage lending and financial institutions in general.

Edward D. Jones and Company
> June 1896 to July 1988

Securities Brokerage House, Real Estate Attorney and General Counsel to EDJ Residential Mortgage Services, a national mortgage banking company, established operation in 34 states, duties entailed compiling regulatory and license requirements, closing procedures, real estate practice; state by state and security requirements, foreclosure and collection procedures as well as federal compliance issues, legislative monitoring, lobbying and litigation management, secondary market qualification, corporate matters, processing and servicing.  Became and licensed Investment Representative (stock broker) with NASD and SEC; have passed Series 7 and 63. Worked in the compliance department in the securities side of the company.

Hyatt Legal Services
> August 1984 to 1986

Managing Attorney promoted from staff attorney, managed several staff attorneys and secretaries.  Practice; general civil and criminal; domestic relations, probate, real estate, workers compensation, individual bankruptcy (chapters 7 & 13) debtor creditor, landlord, tenant, and close corporations.  Handled up to 150 cases at a time.  Practiced in St. Louis, and St. Louis County and all surrounding counties in both Missouri and Illinois.

Delmar Financial Company
> June 1983 to August 1984

Mortgage Broker, Loan Officer, Legal Counsel, Salesman; reviewed real estate sales contracts and security documents; secondary market opinions and wrote bond issue opinions. Reviewed Missouri Housing Development Bond issues and Illinois Housing Development Authority issues.

Wiley, Craig, Armbruster, Wiburn and Mills Attorneys at Law
> During law school

Law Clerk; labor law and workers compensation.


Saint Louis University School of Law

Juris Doctorate Degree; Missouri Bar 1984, Illinois Bar 1985, Remedies, Commercial Transactions, Real Property and Contracts.

Saint Louis University

Bachelor of Arts, May 1977, Magna Cum Laude, Major: Psychology. Psi Chi Honors Fraternity

University of Missouri – Columbia

Major: Biology and Psychology

Continued Legal Education

- Federal Home Loan Bank Board supervisory training
- PLI title insurance seminar
- MBA Legal Issues Seminar
- MBA Truth In Lending and Regulatory compliance Seminar
- MOBar Title Insurance Seminar -- Practical Skills, Probate, Estate Practice, Debtor Creditor, Family Law; financial aspects, closely Held Corporations.

Legal Associations & Memberships

- Missouri Real Estate Commission Sales License (Inactive)
- National Association of Securities Dealers
- Investment Representative License (Inactive)
- Mortgage Bankers Association
- Legal Issues Committee and MBA Regulatory Compliance Committee
- American Bar Association
- Illinois Bar Association
- Saint Louis Metropolitan Bar Association
- Federal Court
- Eastern and Western District Court
- The Missouri League of Savings Institutions -- Attorney’ Committee
- The American council of State savings and Loan Supervisors -- Attorneys Sub Committee.