Sergio Alvarado, left, and his wife Tina, who is disabled with various health issues, sit in their home in Round Lake, Illinois, July 9, 2013. Sergio, an investor, was awarded more than $700,000 in damages in 2012 after a dispute with his brokerage went through arbitration. But almost a year later, Alvarado still hasn't been able to collect. (Jose M. Osorio/Chicago Tribune/MCT) Photo: Jose M. Osorio / Chicago Tribune