Hubert Neal McGaughey Jr. was born on July 30, 1958, in Jacksonville, Texas, to a Filipina American mother and Irish-American father. Inspired by the variety of music that his parents listened to, which included country, rock, disco and R&B, McGaughey first sang in his church choir before founding an R&B band. He later switched his focus to country music, performing in various bars and clubs in Texas. McGaughey, after attending junior college near his hometown, found work selling shoes at a shopping mall.

You Gotta Love That, his fourth album, also received a platinum certification and producing four singles: "For a Change", "They're Playin' Our Song" and the title track (respectively the first, second, and fourth singles) all peaked at No. 3, while "If I Was a Drinkin' Man" reached No. 16.  McCoy's self-titled fifth studio album began a decline in his chart momentum. Although it was certified gold, Neal McCoy accounted for only one Top Ten hit in a cover of The Casinos' 1967 doo-wop single "Then You Can Tell Me Goodbye". The next two singles -- "Going, Going, Gone" and "That Woman of Mine" -- both peaked at No. 35. Also in 1996, he sang guest vocals on the multi-artist charity single "Hope", the proceeds of which went to the T. J. Martell Foundation's cancer research. After "That Woman of Mine", he reached No. 5 with "The Shake", the only new song on his first Greatest Hits package, which reprised nine of his greatest hits to that point and also earned platinum certification.  Be Good at It, his sixth studio release, followed in 1998. This was his first album since Where Forever Begins not to include a Top Ten hit. The title track, "If You Can't Be Good, Be Good at It", was the highest-peaking single release from it at No. 22, followed by "Party On", which became his first single since 1992 to miss Top 40 entirely. After it came the No. 29 "Love Happens Like That." McCoy made a second appearance on a multi-artist charity single that same year, as one of several collaborators on "One Heart at a Time", a song written by Victoria Shaw to benefit cystic fibrosis research.  In 1999, McCoy released his final album for Atlantic, The Life of the Party. It only accounted for two singles: the Phil Vassar co-write "I Was" at No. 37 and "The Girls of Summer" at No. 42. He, Tracy Byrd, and T. Graham Brown also sang guest vocals on "Now That's Awesome", a song featuring snippets of a Bill Engvall comedy sketch, found on Engvall's Now That's Awesome album. This single peaked at No. 59.

what happened to him in mid 1990s?
McCoy's self-titled fifth studio album began a decline in his chart momentum.