Legal Services

by Michael M. Ralph / Legal Services For small businesses or communities where legal help feels out of reach, the importance of removing cost barriers for affordable legal services can be approached from three levels: structural, collaborative, and strategic. Here’s how you can do it: 1. Structural Approaches (Redesigning How Legal Help Is Offered) Flat-fee or subscription pricing: Replace hourly billing with fixed-fee packages or monthly subscriptions for specific serv

by: Michael M. Ralph | Legal Services, Business Consulting With the right resources, running a business doesn’t have to feel overwhelming. Today’s small business owners have access to powerful tools, expert guidance, and streamlined systems that can simplify daily operations and drive growth. Whether it’s leveraging automation, strengthening cybersecurity, improving accessibility, or finding the right partners, the right support can make your business more efficient—and giv

by: Michael M. Ralph | Legal Services What it is? Identity theft occurs when someone uses your personal or financial information without permission to commit fraud — opening accounts, filing taxes, taking loans, using your payments, or getting medical services in your name. In 2024, U.S. consumers reported large losses and many identity-theft incidents (see stats below). USAGov+1 Quick stats (so you know the scale) Consumers reported more than $12.5 billion lost to fraud

by: Michael M. Ralph | Legal Services, Consulting Services A General Small Business Owners Guide to Debt Collection Running a small business means wearing many hats—sales, marketing, operations, and finance. But one of the most difficult hats to wear is “debt collector.” When customers delay or fail to pay, it can disrupt your cash flow, threaten payroll, and even put your company’s future at risk. This general guide breaks down what every small business owner should know