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It Scary Just to Think About Them: 13 Things People Facing Legal or Financial Challenges Should Know

Once a young attorney was present at a meeting where a senior attorney was trying to sort through a business matter for a client, a restaurant owner, who had successfully created a horrendous legal mess for himself. For years, he was doing his own “legal work” without any benefit of counsel and it had caught up with him. The partner slowly looked up from a stack of business documents and legal notices, and in bewilderment asked the client, “how did you get to be so old and be so stupid at the same time?” Hearing this sent shivers up the young attorney’s spine, and one could only imagine what went through the client’s mind.

Effective legal and financial professionals earn their business from experience. Listed below are 13 items from my experience that address real concerns of past and present clients. How scary it is to operate in business without having even a portion of this information, lest someone at


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