1. You don’t have an up-to-date will.

2. You don’t understand the difference between a trust and a will.

3. Family members challenge your parent’s will.

4. You don’t understand your health insurance plan or new legislation.

5. You are selected for an audit.

6. Your parents die and leave you executor of their estate.

7. You are tired of hidden cell phone fees.

8. You do not have a retirement savings plan.

9. You lose your personal identification.

10. You receive a speeding ticket.

11. You are buying or selling your home. 12. Your driver’s license is suspended.

13. Your landlord raises rent in violation of your verbal agreement.

14. Your teenager is accused of shoplifting.

15. You decide to change your name.

16. Your new washing machine doesn’t wash.

17. Creditors threaten to take action against you for your ex-spouse’s debts.

18. A neighbor or school reports you for child abuse.

19. You adopt a child.

20. A friend or neighbor is injured on your property.

21. You need child support enforced.

22. A friend owes you money and files bankruptcy.

23. A caller demands money or damaging information will be released.

24. Your car is damaged by a hit-and-run driver.

25. You accidentally back over a neighbor’s garbage can.

26. A hairdresser damages your hair with harsh chemicals.

27. Your car is repossessed unjustly.

28. You are subpoenaed or served with legal papers.

29. You are called to jury duty.

30. Your long drive off the tee injures another player.

31. You need your lease agreement reviewed.

32. Your son is injured in a football game.

33. A neighbor trips over a rake in your yard.

34. A jeweler sells you defective merchandise.

35. A car dealership gains illegal access to your credit history.

36. You are hit by a bottle at a baseball game.