BANGOR – A Windsor man who worked at various times as a salesman, financial consultant and school bus driver is scheduled to change his plea to guilty to 20 counts that accuse him of defrauding credit unions, banks and several insurance companies out of more than half a million dollars.

Gregory P. Violette, 45, will appear July 12 at U.S. District Court in Bangor. A year ago, he was indicted on 90 counts for activity authorities described as sophisticated, elaborate and calculating.

The counts involve wire fraud, mail fraud, making false statements to a financial institution, bankruptcy fraud and money laundering.

Violette, if convicted, faces the possibility of decades in prison and millions of dollars in fines.

Last year former U.S. Attorney Jay McCloskey said the case produced “one of the most significant indictments” in terms of size and scope ever produced by a local grand jury.

“We’ve had bigger fraud cases regarding amounts of money involved, but in this case, the fraud was conducted so well that it wasn’t discovered for several years,” the head federal prosecutor said.

In one count, Violette is accused of bilking his mother-in-law out of a monthly pension for 12 years. According to a signed plea agreement, the woman is prepared to testify that after her husband died in 1986, she did not receive a pension payment from his insurance company until 1998. In the meantime, the company claims it was sending monthly checks to a Bangor address submitted on a change-of-address form. The Walter Street address in Bangor was where Violette lived with his wife. After a few years, the company began sending the pension money to a direct-deposit account in Augusta. The account was in the name of Violette and his wife. The couple since has divorced, and Violette’s former mother-in-law is owed close to $60,000, according to court information.

In other alleged activity, Violette applied for disability policies and allegedly lied on the application forms about his work and salary history. He also said “no” to questions about ever being treated for mental or emotional disorders, which was untrue, according to court papers. He allegedly lied on applications for loans ranging from a few thousand dollars to more than $100,000.

Though the counts have been reduced by 70, Violette will be sentenced on the 90 counts listed in the indictment. Restitution also will be calculated based on the 90 original counts. The only advantage to reducing the number of counts is that Violette will have to pay less in fees to the court, enabling more money to be funneled to victims of his alleged actions, according to a legal authority.

On June 8, Violette was scheduled to appear for a competency hearing at U.S. District Court in Bangor. Through his attorney, he abruptly withdrew his motion for the hearing and withdrew a request to suppress certain evidence in his case.

Attempts to reach Violette’s attorney, Peter Baldacci of Bangor, were unsuccessful on Thursday.