Full transparency: Real Talk’s founder is an active auto salesperson. Read our conflict-of-interest firewall.
Check Your Buyer’s Order Before You Sign
Upload a photo of your buyer’s order. An automated, statute-mapped rule engine reads every line — doc fee, taxes, add-on markup, financing terms, disclosures — and emails you a Deal Review Report plus a questions-for-the-dealer letter. PDF in minutes; guaranteed within 1 hour or your money back. Software, not a person, reads it — the same rules, the same way, on every deal — and you keep the written result.
What you get for $49
Line-by-line paper review
The Real Talk rule engine reads your buyer’s order and F&I addendums against every federal check and your state’s verified rules from the Compliance Library — doc fee, sales tax or TAVT, add-on pricing, financing terms, disclosures. Manny wrote the rules; the engine runs them the same way on every deal.
Traffic-light findings
Every finding is flagged GREEN (looks fine), YELLOW (watch this), or RED (this is a walk-away). Each RED flag cites the exact statute you can point at.
Out-the-door math
Full breakdown: vehicle price + doc fee + tag + tax (TAVT in Georgia) + F&I add-ons - trade credit - rebates - down payment = OTD total. Plus interest over the loan term. The true cost of the deal.
Recommended actions
Not just "here is what is wrong." What to ask for, in writing, before you sign. What to walk on. What to accept. Ranked by impact.
PDF report in minutes
Emailed to you within minutes of payment (guaranteed within 1 hour, or your money back). Keep it. Show it to the F&I office if you want. It cites public statute so anyone can verify.
Questions after you read it
Reply to the delivery email — it lands in Manny’s inbox and he reads it himself. A call is not part of the $49; the $149 bundle adds a 30-minute walkthrough with him.
Full Rule Pack (22 states): every federal check plus a state-specific rule pack (5–7 statute-mapped rules) and the verified state reference data. Alabama, Arizona, California, Colorado, Florida, Georgia, Illinois, Indiana, Maryland, Massachusetts, Michigan, Missouri, New Jersey, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington.
Standard Coverage (28 states): every federal check and deal-math check plus the verified state reference data — doc-fee cap or typical charge, sales-tax rate and base, lemon-law thresholds, title-brand disclosure, recording consent, consumer statute, Attorney General contact. Dedicated rule packs for these states are being added in order of car-sales volume. What is not checked is never treated as passing, and the report says so.
Best fit for buyers who...
- Already signed a Buyers Order and want to know what you signed before delivery
- Are about to sign and want a check on doc fee, add-ons, sales tax or TAVT, financing terms
- Got quoted very different numbers verbally vs. what showed up in writing
- Are being pressured on add-ons (extended warranty, GAP, tire & wheel, etch, etc.)
- Are servicemembers or veterans and want SCRA + fair-lending review
- Are Spanish-speaking buyers and want to confirm Spanish Buyers Guide compliance
- Feel like the F&I office moved fast and you didn't catch everything
See a sample report first
Five sample Deal Review Reports generated from synthetic buyer’s orders — not customer results. Each is stamped SAMPLE. They show exactly what the engine produces: the overcharge tally, the verdict, every fired rule with its statute, and the dealer questions.
Georgia · California · Texas · Florida · Texas · en español
Outcomes ledger: opens with the first real, buyer-consented outcome. Nothing is listed until then.
How it works
- Upload your Buyers Order (photo or PDF) on the intake page — about 2 minutes.
- Confirm three numbers, see what got flagged — free. We read the document, you confirm price, doc fee and state, and you see how many items were flagged by category. Nothing flagged? You are told so, no charge. Want the line-by-line report? Pay $49 (secure Stripe checkout).
- The Real Talk rule engine reads every line — Manny’s statute-cited rules, run the same way on every deal.
- PDF report emailed within minutes — guaranteed within 1 hour of payment or your money back. A delivery clock runs on every audit.
- Want to talk it through? The $149 bundle is the same report plus a 30-minute video walkthrough with Manny.
Who wrote the rules
Manny Ruiz — SFC, U.S. Army (Ret. 2016). Senior All-Source Intelligence Analyst before military retirement. On the dealer side of the desk since 2019 — 7+ years — sales floor through sales manager — before founding Real Talk Media Group to publish what buyers should know before they walk into a showroom. Currently a Senior Sales Professional and Trainer at Jimmy Britt Chevrolet GMC. The dealership pays him for the cars he sells there; nobody pays Real Talk for this report but you. Full editorial wall separates this employment from Real Talk coverage — see the editorial policy.
Backed by a network of current and former sales and F&I managers with 20+ years of combined dealership experience.
Backed by the Real Talk Compliance Library — 22 statutes, 25 verified claims in the Paper Trail, primary-source-cited. How we verify every claim →
Prefer a printable checklist? Get the 10-Question printable checklist →
Verified by a Named Human
Retired U.S. Army Sergeant First Class (SFC, Ret. 2016)
Senior All-Source Intelligence Analyst
Dealer-side career: sales floor through sales manager
LinkedIn · About page
Phone: 762-815-7105
Corrections: reply to any published page with the URL and the specific claim — corrections logged in writing within 5 business days.
Registered agent: Northwest Registered Agent Service
No sponsors. No dealer money. Ever.