cheat the government…..go to prison

Prison Time For Two Car Dealership Owners Convicted For Bank Fraud

October 01, 2013

A joint investigation including DMV and DOJ

Two Modesto brothers, owners of several car dealerships in Stanislaus and Merced Counties, are heading to prison for more than four years each as a result of their conviction for conspiring to commit bank fraud.

“These men, along with several of their employees falsified the information of potential car buyers in order for the potential buyers to acquire financing,” said Alan Barcelona, president of the California Statewide Law Enforcement Association (CSLEA).  “Our CSLEA members who are investigators with the Department of Motor Vehicles (DMV) and special agents with the Department of Justice (DOJ) investigate these types of crimes in which unscrupulous people put their own financial gain over the law and over unsuspecting consumers who would not have qualified for loans in the first place.”

Together, the FBI, DOJ and DMV Investigations Division conducted a lengthy investigation into the actions of Abdel Jawad, aka Fred Jawad, 38,  and his brother Abdul Jawad, aka Manny Jawad, 39.

The two men  were found guilty after a three-day trial by a federal jury in January 2013. According to evidence presented at trial, the Jawad brothers owned and operated various used automobile dealerships including Own-A-Car, The Auto Store, and Auction 2 U in Modesto. Employees of the dealerships would help  customers to find a vehicle to purchase. Many of the  customers, however, were unable to qualify for a vehicle loan.   The Jawads, and others acting at their direction and on their behalf, conspired to assist the customers in preparing misleading and false financial information for submission to a financial institution in order to obtain financing.

In some instances the defendants conspired to enter fictitious information on loan applications including the names of employers for whom the customers did not work, or, if the customers were employed, inflated earnings amounts. Some of the customers signed these loan applications, while others had no knowledge of how their signatures appeared on the applications.

Because of the defendants’ conduct, financial institutions approved loans to customers who otherwise should not have received financing. As customers were approved for loans, the dealerships received the money as payment for the purchased vehicles.

The two Jawad brothers were sentenced to prison for more than four years each  and ordered to pay approximately $601,000 in restitution to the victims of their fraud.  The pair were ordered to surrender on November 18, 2013 to begin serving their sentences.

Three other defendants in this case have been sentenced after pleading guilty. Armando Fathic Abdallah was sentenced March 4, 2013, to 18 months in prison. Hussein Ali was sentenced to 27 months in prison on March 18, 2013, and Husam Sarama was sentenced in February 19, 2013 to three months in prison.

EVEN cash only sales require car dealer sales contracts


“AS IS” Cash Contract



California Civil Code Section 2981 mandates that sales contracts be completed when a motor vehilce is sold from a licensed entitiy (dealership). All contracts need to be in writing and must be contained on a single document. The contract is designed to protect both the consumer and the dealer by clearly stating the terms of the sale. The contract must include a proper description of the vehicle, the total cost and terms of the sale, as well as the prescribed disclosures required by statue. All contracts must be completed and signed by both parties (buyer and seller). Be sure to provide a clear copy of the contract to the consmer. This form is in complete compliance with disclosures, and is to be used for Cash in house deals when no financing is applicable. Contains large AS -IS Disclosure. 14 3/4″ x 8 1/2″ – 2-part – 100 /pkg


  • Model: JF730


used car dealer forms starter kit

thank you test drive from

PULL OUT A CARFAX & RUN THE VIN makes it easy:

Instant NMVTIS Vehicle History Reports
Get full, online NMVTIS vehicle reports you can save, email, or print.
24/7 Online Access
Access instant reports through our web, desktop, and mobile interfaces.
Lowest Prices
We guarantee the lowest prices for access to NMVTIS data.





Your CA Dealer Affiliate Link:
— prefills “gotplates” promo code
— dealers who use it get 5 free reports initially


even if you have bad credit we can help you get a car dealer bond


Rapid Quotes at:

Car Dealer License Surety Bond program at low cost.

We specialize in high risk Used Auto Dealers Bonds.

Do to the down turn in the economy and due to the loss of jobs many people now have Bad Credit Scores.

The price of a Car Dealer Surety Bond has risen lately and that has made it harder to afford

especially if you are just opening your used car dealer business.

Call Mike at 714-797-5780 for an immediate car dealer bond quote

get private car dealer license training from

hello john

we teach private classes
for $ 300. per person
we have weekly availability statewide

if we come to your office
we would have to charge more ( $ 800. )
and we can certify up to three people for that fee

also, if you offer financing and need the
red flags program
we can set you up with that as well
our discounted price for the red flags is $ 300.

red flag deadline was 01-01-11

do you have any other owners needing certification?

if this is a corporate change of ownership
dmv generally requires all owners above 10% ownership to take the class
and pass the dmv examination

also, all significant others should be included if they are going to be driving
dealer plated inventory

please let us know what works for you
and how soon you want the private car dealer license class

my cell is 415-730-3131