FEDERAL FINANCIAL SERVICES

Federal Financial Services, Inc. was organized in 1995 by Ralph Williams who had over thirty years experience with American Credit Corp. (better known as Barclays American). The company opened the doors to their first office in Elkin, NC on May 10, 1995. In addition to Mr. Williams, the company had one employee, no receivables and no dealers.We are primarily a sub-prime automobile finance company. They work through new and used car dealers by offering our financing plan to them. When the dealer ... has a potential customer who needs financing in order to purchase a vehicle, the dealer may contact us to see if they can approve credit for the applicant. If all works in favor for the applicant and the dealer completes the sale, they will then require the contract from the dealer and the credit applicant who purchased the vehicle now becomes their customer.

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