I have read three separate threads today, about people being sued, or needing lawyers, etc. not having enough money. Pre-paid legal is excellent program for people who need good legal advice without paying hundreds of dollars per hour. It is usually between 29-45 dollars a month, and they usually use the "top" law firm in the biggest city around you. i do not work with them, but i have used them in the past from everything from traffic ticketa to drafting "intent-to-sue" letters. You also recieve discounts if you do need/want one of their high-powered attorneys to take a lawsuit to its full extent. humblemarc