Small Business Risk Management - Three Insider Tips That Can Save You a Lot of Money

I don't know who first said it. But I am oftenand where law suits must be filed, you really should
reminded of the illustrious observation: "It isn't whatconsult with an attorney before you sign the silly
he doesn't know that scares me. It's what he knowsthing.
for sure that just ain't so." Most of the time, business2. You can almost always settle your disputed debts
decision makers are highly skilled at identifying thefor less than the full amount.
root of the issue. They know how to recognize theWhat if you have received invoices with which you
important aspects and throw out the red herrings.disagree and have not been able to resolve your
Without that skill, they would not last very long indifferences? The demands have gotten uglier. And
the world of business. But they too can be victims ofnow the other company is threatening or more
their own prejudices and misconceptions. With all ofusually (implying) litigation if not paid in full by a
the hype about our litigious society and how easyspecific date. For them, it is now necessary to weigh
some think it is to sue companies and get hugethe cost of retaining a lawyer and the risk of losing
awards or settlements, it's easy to forget that theagainst playing this out against the bird in the hand
business person on the other side almost neverthey could get by settling now. Unless you signed a
wants a law suit any more than you do.contract that says the loser pays attorney fees,
Many wasted opportunities could be leveraged byodds are they will not collect attorney fees even if
small business owners if they had a betterthey do win. So the potential cost of going that
awareness of the other company's aversion toroute could be significant for them.
litigation and willingness to take reasonable measuresThe fact of the matter is that with the exception of
to avoid it. Entrepreneurs spend a lot of time findingcompanies such as the insurance industry whose
ways to make it easy for their customers to buy. Itbusiness structure anticipates a steady stream of law
is amazing how little time some of them spendsuits, most businesses hate law suits. They view
thinking about ways to make it easy to resolvethem as an enormous distraction and a waste of
disputes without resorting to the ugly distractions oftheir time and resources. Very large corporations with
mediation, arbitration, or litigation.their own legal departments have the luxury of
With that in mind, here are some facts and commonmaking a pure cost/benefit analysis before deciding
sense ideas that could make a big difference in yourwhether to engage in an avoidable law suit. But for
business;small businesses, the cost is too unpredictable and
1. You don't have to sign everything that is put injust too far removed from the processes and
front of youinfrastructure upon which their business model is
Most services contracts are not written in stone. Andbased. Therefore, unless the disputed amount is very
many companies will accept minor changes. Peoplelarge, they will almost always seriously consider any
are sometimes afraid to make even the slightestreasonable offer just to get it off their plate.
change to a contractual document for several (usuallyHowever, they probably will not agree to settle for
imaginary) reasons. They are afraid this willwhat you asked. So make your first offer at least
automatically get the lawyers involved makingtwo iterations lower than what you expect them to
everything more expensive and slowing down thetake.
process. But in my experience, that fear is usually3. You don't always "get what you pay for" when
unfounded.you retain a Big-Gun law firm for legal services.
Let's say you have read over the contract and foundAs in-house counsel for an information technology
that you will be billed for late payments if yourcompany, I have worked with several of the largest
payment is not received within thirty days. Yourlaw firms in St. Louis over the years. I have also
typical schedule for processing accounts payable doesworked with some of the best lawyers. But some of
not exactly match the other company's billing cycle.the best lawyers do not work for the biggest law
And it is quite possible that your payment couldfirms. In fact, some of the best Missouri lawyers I
arrive more than thirty calendar days after a givenknow are sole practitioners or from small firms. When
invoice. You take their contract, draw a line throughyou consider what you get versus what you pay for,
that sentence and write above the strike-thoughgoing with the Big-Guns doesn't always make the
changing thirty days to forty-five days. You then faxmost sense. Big firms have the advantage of a large
or email the modified document along with a phonepool of experiences and resources to draw from. But
call explaining why you need this change.they will not always give you the best results for the
If this was a serious concern for you, it has probablyleast dollars.
come up before with some of their other customers.Most lawyers will tell you that until an attorney has
If so, they already know whether or not they canbeen in practice for at least five years, the level of
live with this change and will either approve or deny itexperience could be a big factor in the results you
right away. Notice that I did not suggest simply callingare likely to see. I am sure there are exceptions, but
them without sending a redlined version by fax orin general it takes about five years of real world
email. That is because this makes it too easy forexperience for an attorney to develop the skills to
them to say no. It also places the responsibility ofdo his or her best job for you. When you first bring
making the change on them. In their organization,your case to a big law firm, you will probably speak
that may mean passing the document on to anotherwith a partner (translate that to mean you will pay
gate keeper who manages contract documents. Forfrom $250 per hour to $500 per hour or more for
them, it has just become much easier to tell youthe privilege). There is a good chance that most of
their company never does that than to work withyour direct consultation will also be with a partner. But
you. On the other hand, if you have alreadymuch of the work including drafting of legal
submitted a signed contract with the change alreadydocuments, research, and sometimes even
made, it is often easier for them to record the "sale"negotiations with legal counsel for the other side, will
and process it than to go back and forth over it. Ifbe performed by associates or paralegals. Associates
your change has not been requested and clearlytypically have less than five years of experience and
resolved before, there is still a good chance thatbill at about the same rate (if not more) that you
what happens next will not create the additional costwould expect to pay the attorney handling your case
or delay that you fear.at a small firm.
In that case, the next step will probably depend uponCompare that to the services you get from a small
the size of the other company. If the other companyfirm. Most small firm lawyers came from the large
has less than 500 employees, there is a good chancefirms and/or the corporate world. There is a good
it does not have an in-house attorney. Thosechance the small firm lawyer that is billing your
companies usually address these issues by havingservices at $175 per hour was having his services
some manager who thinks he knows the law andbilled at $275 per hour before he left the big firm.
makes decisions about contract language all the time,They typically have many years of experience and bill
or by outside counsel to whom they send importantat or below the rates you would pay for the work
contracts to review. If they have the internalof an associate at a large firm. If you retain a
manager that thinks he or she knows as much as acompetent lawyer from a small firm, she knows her
lawyer, the decision will be made quickly anyway.own limitations. If a lawyer from a large firm is
Otherwise, they may be reluctant to incur theneeded. The small firm lawyer will let you know and
expense of outside counsel to make such a purelywith your approval, will not hesitate to bring them in
business decision and will make the decisionto work on your case. The difference is that you
immediately. If the company has 500 or moredecide when and if this will be worth the cost. And
employees, it probably does have an internal legalthere is no incentive for the small firm lawyer to
department. In that case, they usually have theencourage you to incur the extra expense if it is not
resources in place to deal with minor change requestsnecessary. To save money and get more value, it
very quickly.makes sense to consider retaining a small firm
If your concern is not a purely business issue, suchattorney.
as legal boundaries affecting liability or choice of law