The legend goes that Harland Stonecipher, the founder of Pre-Paid Legal Services, was involved in a car wreck way back in July 1969.

Stonecipher had no legal coverage or protection from the legal bills that began to pile up. It was that incident, company

spokesman George Snyder said, that led to the creation of Pre-Paid Legal Services Inc., a 400,000 associate strong

organization that takes a direct marketing approach to legal services.