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Our Team

Rick Reeves
Rick Reeves



Rick Reeves has spent 37 years being a student of the BHPH industry. His incomparable knowledge of BHPH Software Development and Implementation, Policies and Procedures, Training Systems and Management Skills has made him an icon in the BHPH world.

In 1981, Rick began working for Car-Mart opening their second location. He was quickly put in charge of software development while participating in the Arkansas Independent Dealers Association acting as President of Region 9.

After five years he was promoted to Car-Mart's general office. He was responsible for managing eight Car-Mart locations, development of centralized software systems, BHPH policies and procedures and training systems.

In 1985, Governor Bill Clinton appointed Rick to the Arkansas Motor Vehicle Commission, where he later served as Chairman.

In 1986 Rick founded Reeves Data Corporation after purchasing the copyrights to the software that was developed for Car-Mart and began selling the Gold Key System BHPH software nationally. In 1988 Rick founded Dealer Controlled Financing, Inc. a BHPH training, consulting and software business. DCF proceeded to setup almost 200 dealerships in 28 states, most of which are still operating today. In 2000, DCF was sold to and Mr. Reeves was appointed President.

In the 18 months as President of, Rick acquired 8 BHPH software companies, TaxMax as well as the BHPH 20 Groups from NCM. Mr. Reeves left in 2002.

In 2010 Rick was approached by Virginia Witter, to develop a new generation software for the BHPH industry. Rick, partnering with Mike and Cyndi Eskina and Virginia Witter, formed Auto Finance Solutions. Through the next four years, Rick and Ms. Witter spent countless hours developing and testing their new web-based software platform as well as implementing policies, procedures and training systems.

Rick joined AutoStart in 2015, during the asset acquisition of Auto Finance Centers and Auto Finance Solutions. He served as AutoStart's CEO until April of 2018.

In May of 2018, Rick and Eddie Hight formed AFS Dealers.

Eddie Hight
Eddie Hight



Mr. Eddie Hight has spent 33 years (1984-2017) employed by America's Car-Mart, Inc., the largest publicly traded automotive dealer focused solely on the vertically integrated Buy-Here Pay-Here segment of the used auto industry.

During Eddie's tenure at America's Car-Mart, he served 3 years on the Board of Directors, 11 years as Chief Operating Officer, and 6 years in multi-unit management as a Regional Vice President of Operations.

Prior to joining the Corporate Office, Mr. Hight spent 13 years working at the dealership level, 12 of those as General Manager over 3 different dealerships, one of which was the Company's flagship lot in Rogers AR. Eddie quickly earned a reputation for his ability to lead distressed dealerships to profitably. Policies, procedures, discipline, training, and applying good old common sense to solving problems are his keys to success.

Eddie's passion for quality and consistent leadership, for training associates, and for proactively identifying and solving problems earned him the highly coveted President's Award in 2003.

Mr. Hight has trained associates at all levels from Senior Management to Lot Supervisor. Eddie has developed associates from entry-level positions to General Manager and corporate office positions. He has authored or co-authored numerous training manuals and individual training plans to help his associates achieve their greatest potential.

America's Car-Mart opened over 115 dealerships during Mr. Hight's tenure as COO. Over the years, he was involved in most every aspect of opening a dealership, particularly in the dealership manager selection process.

Also during Eddie's tenure, he experienced the transition of America's Car-Mart from a private, family owned business to a publicly traded company on The NASDAQ.

Few people in our industry possess Eddie's magnitude and scope of operational experience. Mr. Hight welcomes the opportunity to assist you in achieving your goals.

Bill Elizondo
Bill Elizondo

Chief Operating Officer


Bill has almost 3 decades in the Buy-Here/Pay-Here business working with 3 of the largest and most respected used car dealers and finance companies in the industry. Moreover, he has been a part of the NABD, NIADA and numerous state associations since 1995.

Bill's experience started in 1990 with CAR Financial Services, Inc. (formerly Wells Fargo Financial) and after a few years became an Area Manager working directly with BHPH car dealers in South and West Texas. During his tenure with CAR Financial he moved 8 times living in California, Washington, Nevada, and Georgia. Holding multiple positions, his responsibilities were profit, hiring, training, underwriting, collections and training his replacements. He became the National Accounts Director working directly with larger related finance companies, BHPH dealerships, and brokers negotiating purchases, servicing/collections, back-up servicing, and custodial agreements throughout the nation.

In 2008 he was recruited by the largest publicly held BHPH dealership in the country, America's Car-Mart, Inc. and became the newly created Director of Collections Practices and Review. A few years later, Bill became the Vice-President of Operations working with and managing 29 dealerships, with over 10,000 accounts and $86,000,000 in receivables. Hiring, training, collections, profitability and helping to author the new collections manual were all part of his responsibilities.

In 2016, Bill took on a new role as the Director of Strategic Growth and Development with Superior Auto, Inc. another powerhouse BHPH operation known for their outstanding collections. Initially doing whatever was necessary, running a dealership, hiring operations, and personal visits to see customers helped prepare Bill for his next role. He was soon promoted to the Director of Sales, where he was instrumental in the development of the new Sales Manual and increased retail sales by 22% and unit sales by 12.5% year-over-year 2016-2017. He also facilitated the development of an email drip campaign and created marketing ideas increasing web-traffic for the company.

Bill graduated from St. Mary's University with a BA in Psychology. He is an Ironman, marathoner, All-American Master swimmer and swimming coach. He is married with one daughter and lives in Fort Wayne, Indiana.

Virginia Witter
Virginia Witter

Chief Technology Officer


Virginia Witter earned a bachelor's degree in computer science from University of Arkansas in 1987. After she graduated, she began working in the buy here pay here industry as a systems analyst and developer. Over the past 31 years, Virginia has been actively involved in training, consulting and supporting several areas of the car business. She specializes in dealer management software and dealer controlled financing.

Virginia has managed, developed and supported several automotive software programs designed for inventory management, finance and insurance, custom check writing, accounting, collections and deal tracking. In addition, she has managed a support staff, a software development staff and was an essential part of the development team for the Gold Key System, Management Systems Plus, Independent Dealer Accounting and AFS Solutions Software. Almost all of the systems Virginia developed are still being used today by dealers. AFS Solutions Software utilizes current information technology and continues to grow to keep up with current innovations that can improve dealership management and awareness.

Virginia has organized and instructed several conferences, training seminars and workshops that focused on dealership accounting, employee motivation, dealership compliance, theft awareness, bonus and compensation plans & pitfalls, the formation of related finance companies, and how to make your dealer management software work for you.

Her expertise in software, training and consulting enable her to effectively implement data mining and quality control strategies. Virginia's abilities are crucial to providing management teams with relevant information from the DMS to make proactive business decisions.

David Touhy
David Touhy

Customer Support Manager


I have been supporting computer systems, Networks, Phone systems, Security systems both video and burglar, and various software for 20 years. I have worked On the Down Store Team/Point of sale team in field support for Wal-Mart for 3 years. I worked for a year with Wachter Networks installing and running cabling for network and phones.

I have worked for America's CAR-MART, Inc., for 14 years as help desk plus infrastructure and traveled to new Locations running the cabling and setting up and programming all the network equipment plus computers, Printers, phone systems, Security Systems and have been the head of physical security. I have always strived to be the most patient, knowledgeable, and empathetic IT support associate.

Nate Marler
Nate Marler

Software Architecture and Engineering


I have over 20 years of experience engineering and selling innovative software solutions to world-class automotive, pharmaceutical, semiconductor, and consumer goods companies.

The past 14 years I have owned and operated a successful software engineering and consulting company in Northwest Arkansas, with customers from around the country.

I'm eager to engineer and deliver solutions that bring meaningful results for your business.

Jon Parks
Jon Parks

BHPH/LHPH Service Department Senior Consultant


I have been in the automotive business for 25+ years owning, operating or managing service centers.

Service/Inventory Manager for 8 years - AutoMaster located in Northwest Arkansas
  • Centralized recon for 16 lots
  • Managed a staff of over 50 employees, 17 of those being technicians
  • Service production of 800 - 1000 vehicles per month with the capability of up to 1300 at times.
  • 400 to 600 cars on the ground in the service process at any given time
  • Spent time weekly at multiple Auctions both buying and selling vehicles
  • Managed the distribution/delivery of 40 to 60 completed vehicles a day to the sales lots

Small business owner 3 years (Automotive repair shop catering to BHPH/LHPH lots)

General manager, Meineke 5 years

Director of Service AutoStart 2016/2018
  • Setup and managed 6 service centers with 17 technicians operating in 4 states
  • Hired, trained and managed 3 full-time buyers
  • Produced 500+ front line vehicles per month

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