Man vs Debt

My Open Letter to Ernest Garcia II and Ernest Garcia III about Carvana’s Financials

Initial Disclosure: This article is for informational purposes only and should not be considered financial or legal advice. The views are that of the author of this article and should be understood as such. In addition, the author of the article has purchased puts in Carvana, which means that the author is investing with the …

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Life Insurance Claim Denied: What Are Your Options?

Leave a Comment / Rants / By Dave T

Did you know that 51% of American adults have life insurance, but 40% (nearly 100 million people) believe they need more? Life insurers paid a record $110 billion in annuity benefits in 2024, continuing high payout trends into 2025. Having a life insurance claim denied can be frustrating and overwhelming. This can be even worse …

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What Triggers a Workers’ Comp Settlement Offer?

Leave a Comment / Rants / By Dave T

Stated in the Workers’ Compensation Awareness Update 2025, released on August 20, was that 1 in 10 U.S. adults had sought workers’ compensation benefits, according to a survey of 1,000 U.S. adults. Among those who applied, 7 in 10 said they were accepted, another group of 11 percent mentioned being denied, and the third group …

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How Does a Consent Order Work in a Legal Case?

Leave a Comment / Rants / By Dave T

In January 2026, the Federal Deposit Insurance Corporation (FDIC) reported eight enforcement agreements. These agreements consisted of two new consent orders and the terminations of the two existing consent orders. What is a consent order? A consent order is a legally agreed upon document, approved and issued by a court. This document intends to resolve …

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Can You Have More Than One Lawyer on a Case?

Leave a Comment / Rants / By Dave T

According to the most recent information from the American Bar Association, there were 1.37 million lawyers in the U.S. in 2025. Lawyers sometimes find themselves at the core of solving legal matters. One lawyer may not have the knowledge required, especially if the situation is very complex and requires expertise in more than one area …

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The Tax Forms Freelancers and Side Hustlers Always Mix Up

Leave a Comment / Rants / By Dave T

Every January, millions of Americans open their mailboxes — physical or digital — and find a collection of tax forms they weren’t entirely expecting. For anyone earning money outside of a traditional payroll, the 1099 series is the one that causes the most confusion. The forms look similar, they arrive around the same time, and …

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Should You File Chapter 13 Bankruptcy?

Leave a Comment / Rants / By Dave T

If you are overwhelmed by debt but want to keep your home, car, or other important assets, Chapter 13 bankruptcy may be an option worth exploring. Chapter 13 is designed for people who have regular income but need time and structure to repay their debts. Unlike Chapter 7 bankruptcy, which can eliminate many debts quickly, …

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