Vincent Humphries, 61, has watched the evolution of lowend lending with a rueful eye. Raised in…

Vincent
Humphries, 61, has watched the evolution of lowend lending with a rueful eye.
Raised in Detroit and now living in Atlanta, he never got past high school. He
started work in the early 1960s at Ford Motor Co.’s hulking Rouge plant outside
Detroit for a little over $2 an hour. Later he did construction, rarely earning
more than $25,000 a year while supporting five children from two marriages. A
masonry business he financed on credit cards collapsed. None of his children
have attended college, and all hold what he calls “dead-end jobs.”

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