Currently I am working full time as a Billing Specialist with a large NJ law firm, so the most marketing I'v done so far is sending out annoucements. I have a home office set up and ready to provide billing services to small law fims, 1-15 billing attorneys. As soon as I sign up at least 2 firms I will be able to resign from my current job and devote full time to my billing service. After 20 years of billing for lawyers I decided it was time for me to establish my own service and offer my expertise to up and coming lawyers at a very reasonable rate. Recently I was offered a small business loan that would allow me to leave my job and focus on marketing until I have established my clients. I refused the loan because I do not think it would be wise for me to get myself into that kind of debt. My home office set up: computers, printers, website, billing software etc... were at my expense. Please let me know what your thoughts are concerning my business/marketing issue.