ROSEMARIE PETERS IS SERVING HER TENTH YEAR AS MONMOUTH COUNTY SURROGATE.  SHE SERVED FOR 18 YEARS IN VARIOUS MIDDLETOWN POSITIONS TO INCLUDE MAYOR AND DEPUTY MAYOR.  SHE IS A GRADUATE OF RUTGERS SCHOOL OF LAW, THOMAS EDISON STATE COLLEGE AND BROOKDALE COMMUNITY COLLEGE.  SHE GAVE EXAMPLES OF NOT HAVING A WILL DURING PROBATE, USING THE RICH AND FAMOUS TO EMPHASIZE POTENTIAL PROBLEMS.  IT TAKES TIME AND MONEY TO RESOLVE AN ESTATE WITH NO WILL AS THE 6 HIERS OF PABLO PICASSO FOUND OUT SPENDING $30 M.  JIMI HENDRICS WAS CLOSE TO HIS BROTHER LEON, BUT HIS FATHER AND ADOPTED DAUGHTER GOT THE MONEY.  FAMILY SQUABBLES OCCUR WITHOUT A WILL.  SONNY BONO'S ESTATE WAS FOUGHT OVER BY THREE WIVES, CHILDREN AND A LOVE CHILD THAT CAME FORWARD.  MUCH OF THE ESTATE WENT TO LEGAL FEES.  A "DO IT YOURSELF WILL" CAN CAUSE PROBLEMS.  CHIEF JUSTICE WARREN BURGER WROTE HIS OWN WILL CONSISTING OF ONLY 175 WORDS WHICH CAUSED PROBLEMS UPON PROBATE.  ORAL PROMISES ARE DIFFICULT TO PROVE AS MARLIN BRANDO'S HOUSEKEEPER FOUND OUT.  MUST HAVE ORIGINAL WILL TO PROBATE,  IF LOST, PROBATING CAN TAKE MANY YEARS WITH FIGHTS AMOUNG RELATIVES.  FLORENCE GRIFFITH JOYNER'S MOTHER SUED HER SON-IN -LAW OVER THE ASSETS.