If you're afraid of being sued, you're hardly alone. Here's something you can do to reduce your stress level: read Out of Court: How to Protect Your Business from Litigation (The Headwaters Press, 800-926-1286, 1992, $14.95). It's a breezy, tell-all guide written from a small-business perspective by New Orleans lawyer John Landrum.

Especially appealing is the "Home Remedies and the Corner Drug Store" section, which explains how to get free or discounted legal advice and how to negotiate fee ceilings. Other sections tell you how to combine financing arrangements and evaluate your lawyer's "economic performance."

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