She was born in Madison County and grew up in Henderson and was the daughter of Tim and Regina Cupples. She graduated with honors from Chester County High School in 1995. She attended Lambuth University and graduated Summa Cum Laude with a BA in accounting. She entered the masters program and received her CPA license and later was certified as a fraud examiner. She traveled all over the United States as an internal auditor for Waste Management Inc. She also had worked the last two years as a Certified Public Accountant and Auditor for Sedwick Insurance Management.
She enjoyed riding motorcycles, photography, and being with her nieces, nephews, and family. She was a member of Faith Baptist Church.
She is survived by her husband James D. Billings, Jr. of Arlington, her parents Tim and Regina Terry Cupples and two brothers Larry Hall and Scott Hall all of Henderson. She has a step son Brandon Billings and two step daughters Crystal and Brenda Billings all of Memphis. There are five nieces and nephews; Tyler Hall, Brock Hall, Amanda King, Bailey Hall, and Lauren Hall all of Henderson.
She has three sets of grandparents; Gladys Terry and the late Joe Terry, Reba Cupples and the late Clifford Cupples all of Henderson and Marie Bryant and the late Claude Bryant of Scotts Hill. She has an adoptive grandparent J. Arlin Porter of Henderson. She also has a great grandmother Lillie Cupples of Henderson.