The BHPH Morning Show

What if AI could actually make customer relationships stronger? In this episode, Jim and Michelle break down what “coded compassion” really means—and how White Hat AI is being trained to serve people, not replace them. From operations to customer care, discover the upside of AI when it’s built with trust, empathy, and long-term thinking.

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It's time for a BHPH Pulse Report—a no-fluff roundup of what’s shaking up the Buy Here Pay Here and subprime auto finance world. From record-breaking delinquencies to tightening lender standards, and the digital/AI arms race in dealer ops, we’re breaking down the stories behind the stats. If you’re a dealer, lender, or industry partner trying to read the room—and stay ahead of it—this is the one to play in the meeting room...

Dealers, if you’ve ever tried to explain your losses to a lender — or make sense of your own — you know how messy the data can be. Today we’re shining a light on a simple fix that could solve some of that: getting DMS providers to add a standard dropdown or radio button for charge-off reasons. It’s a small tweak with big-time potential.

Better data means better loss analysis. Better loss analysis means smarter decisi...

In this deeply personal edition of White Hat Wednesday, Jim steps away from the usual playbook to reflect on the life and legacy of his mother—a woman remembered not just for her grace, but for the quiet grit that defined a generation.

Set against the backdrop of a farm and ranch upbringing in western Oklahoma, this episode explores the salt-of-the-earth values that shaped not just a family, but the very foundation o...

On this Friday episode, we break down what the latest June 2025 consumer sentiment and spending data points really mean for Buy Here Pay Here and Lease Here Pay Here dealers and the customers they serve. While headlines shout “recovery,” the details tell a more complicated story—and for subprime operators, reading between the lines is critical.

We highlight key findings from:

• The University of Mich...

This week on White Hat Wednesday, we celebrate the inking of a collaborative agreement between White Hat Way and a leading DMS provider — built on one mission: to deliver real, measurable progress for BHPH dealers.

In this episode, Jim and Michelle break down how this collaborative understanding represents a leap toward industry-wide standardization, smarter operations, and a future where independent dealers don’t ju...

It was a full week! We certified some vendor partners, caught up with old friends, made new ones, signed up some new dealers, spoke on BHPH profit and cash flow and donated $40 to the Nevada gaming commission.

On this Friday episode of the BHPH Morning Show, we'll recap the buzz topics, events and conversations from the classrooms, hallways, and expo hall. Oh, and we sent one lucky guy from Tennessee home with $1,000...

In this episode of the BHPH Morning Show, Jim Rhoads introduces The 11 P’s Playbook — a comprehensive framework designed to help dealers build not just a profitable business, but a sustainable and purpose-driven one. From foundational elements like Policies and Procedures to long-term goals like Personal Net Worth and Philanthropy, Jim walks through each “P” and explains how they interconnect to drive clarity, consistency,...

In this White Hat Wednesday edition of the BHPH Morning Show, we’re spotlighting something big: the formation of the White Hat Way Community. For too long, honest operators in BHPH and LHPH have been riding solo—doing the right thing without much recognition, connection, or backup. That changes now.

This episode is a call to the Lone Rangers out there: it’s time to link arms. We’re introducing a values-driven coaliti...

After 40 years in the trenches, Jeff Owings drops a truth bomb that every Buy Here Pay Here dealer ought to hear. In today’s episode, we unpack his powerful message—one part warning, one part wake-up call, and all opportunity. We’ll talk survival, transformation, and why today’s leaner, meaner group of BHPH dealers might just be the best-positioned in history.

From CRR as your lender's North Star to the game-changing...

In this White Hat Wednesday edition of the BHPH Morning Show, we explore how AI-powered voice agents are starting to take the mic — and why that’s not a bad thing. When deployed with purpose, these “Level 1” virtual team members can actually enhance the customer experience by handling simple, low-risk tasks with consistency and care.

We’ll break down five key ways voice AI can support collections efforts from courtes...

In today’s episode of the BHPH Morning Show, we introduce a powerful new calculation designed to help dealers answer a critical question: How much debt can your portfolio support? Jim breaks down a practical formula that turns your portfolio’s real-world performance into a measurable debt capacity—no theory, just usable insight. Whether you're looking to expand, refinance, or simply sleep better at night, this episode will...

"As-is" — is it a practical necessity or an ethical gray area? On this White Hat Wednesday, we’re opening the floor to both sides of the debate. Supporters say it protects dealers and keeps prices low. Critics argue it can be a license to dodge responsibility. We’ll weigh the legal, operational, and moral arguments surrounding as-is sales in BHPH — and explore how doing business the White Hat Way challenges us to raise the...

In this White Hat Wednesday edition of the BHPH Morning Show, we shine a light on the very limitations that often keep dealers stuck — from capital constraints to management tools. But what if those barriers are actually bridges in disguise? Join us as we unpack how today’s challenges can spark innovation, sharpen strategy, and fuel real and sustainable growth. We’ll close with a forward-looking message to remind every dea...

Join us for a powerful conversation with Ron Heider of Heider Marketing & Advertising as we explore how #BuyHerePayHere and #LeaseHerePayHere dealers can harness the power of video to boost customer engagement and build reputation. Based on his recent NIADA feature, this episode is packed with actionable ideas and insights that align with the White Hat Way values of transparency and connection.

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On this White Hat Wednesday edition of the BHPH Morning Show, we're proud to announce a significant milestone: the complete White Hat Way Certification Course has now been fully archived in the cloud—professionally captured in high-definition video, high-quality audio, and transcribed into a comprehensive 90+ page transcript.

This represents more than just a file dump—it's a landmark in accountability and leadership ...

In this episode, we draw a bead on a skill every marksman knows: when your focus tightens, your odds of success skyrocket. Tune in at 11 EDT as we explore how the fundamentals of shooting sports—breath control, sight alignment, and deliberate aim—can be translated into business management practices that drive clarity, efficiency, and better outcomes. Whether you're leading a team, setting monthly initiatives, or making cap...

Join Jim and Michelle Rhoads as they sit down with Charles Pompey and Brian Malet of Car-Lotta Credit and Car Sales, featured dealers from the April issue of UCD Magazine. In this episode, these PA dealers shares how a simple shift in customer engagement—routine courtesy calls—led to a noticeable boost in collections.

Discover how regular, non-confrontational contact created stronger customer relationships, improved ...

On this White Hat Wednesday edition of the BHPH Morning Show, we sit down with Corinne Kirkendall, EVP of Compliance and Regulatory Affairs at PassTime GPS. We'll discuss how independent dealers are flipping the script on legalese. Contracts may be a necessary part of doing business in Buy Here Pay Here—but that doesn’t mean they have to sound like they were written by robots.

We’ll break down a few hard-to-understan...