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By John Goldhammer

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We will take a look at "failure," "success," and changing values as we approach the twenty-first century. We will look at ways to cope with panic, fear, and stresshow to keep your cool when Page 6 everything around you is falling apart. I explain what to watch out for in troubled times so that you do not become an easy prey to the many unethical individuals in the "scavenger" business who are always on the lookout for a business in trouble. I will present, step by step, the way to handle a serious business crisis right now.

You should negotiate a fee arrangement that you can afford within the context of your reorganization plans. Be careful how much authority you give to a turnaround specialist. You may decide to keep such an individual in an advisory position only. " Page 21 DISADVANTAGES. A major drawback is that you may not have much of a company left when a turnaround specialist is finished, and you may end up not owning your business or in control of your affairs. Although fees vary, turnaround specialists do not come cheap.

In the next ten years, it is estimated that over one million business firms will fail. 4 Bankruptcies are big business for the legal profession. Lawyers are spending an estimated $28 million per year just to advertise bankruptcy services. This advertising blitz is prompting numerous indi- Page 2 viduals and business firms to file bankruptcy, when it is frequently not the best choice. Many individuals are misled as to the consequences of filing bankruptcy and the stigma resulting from such a public failure.

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