Exhibit 24

                                Power of Attorney

                        CONSUMER PORTFOLIO SERVICES, INC.

                                Power of Attorney

         Each of the undersigned  persons,  in his or her capacity as an officer
or director,  or both, of Consumer  Portfolio  Services,  Inc.  ("CPS"),  hereby
appoints  Jeffrey  P.  Fritz as his or her  attorney-in-fact  and  agent for the
following purposes:

                  1. To sign  for him or her,  in his or her  name and in his or
         her  capacity as an officer or director,  or both,  of CPS, any and all
         filings,  including but not limited to Forms 10-K and 8-K,  pursuant to
         the  Securities  Exchange  Act of 1934,  as  amended  (the  "Act"),  in
         connection  with  securities  issued  pursuant  to  securitizations  of
         financial  assets  and  other  property,   which  includes   automobile
         receivables originated or acquired by CPS;

                  2. To file or cause to be filed such documents with the United
         States Securities and Exchange Commission;

                  3. To take all such other action as any such attorney-in-fact,
         or his or her  substitute,  may deem necessary or desirable in order to
         effect compliance with applicable securities laws; and

                  4. To sign  for him or her,  in his or her  name and in his or
         her  capacity  as an officer or  director,  or both,  of CPS,  all such
         documents and instruments as any such  attorney-in-fact,  or his or her
         substitute,  may deem  necessary or advisable  in  connection  with the
         registration,  qualification  or  exemption  of the related  securities
         under the securities laws of any state or other jurisdiction.








                  This power of attorney  shall be effective as of September 29,
1998  and  shall  continue  in  full  force  and  effect  until  revoked  by the
undersigned in a writing filed with the Secretary of CPS.

                                 /s/ Charles E. Bradley, Sr.
                                 ----------------------------
                                 Charles E. Bradley, Sr.

                                 /s/ Charles E. Bradley, Jr.
                                 ----------------------------
                                 Charles E. Bradley, Jr.

                                 /s/ William B. Roberts     
                                 ----------------------------
                                 William B. Roberts

                                 /s/ John G. Poole          
                                 ----------------------------
                                 John G. Poole

                                 /s/ Thomas L. Chrystie     
                                 ----------------------------
                                 Thomas L. Chrystie

                                 /s/ Robert A. Simms        
                                 ----------------------------
                                 Robert A. Simms