Whatever your problem, we can help. You may be unable to repay your debts due to loss of income caused by illness, redundancy or relationship breakdowns or have got into financial difficulty due to covid-19. We can certainly help by providing a solution to suit your circumstances and taking away the worry and stress.
Whatever the reason you are visiting our website, we have lots of information and advice for you, please check out our freebies where you can gain lots of knowledge and tips to help you. Just one other thing, we are a "not for profit" Community Interest Company, which means that we don't believe that organisations should be making money from other peoples misfortunes (and believe us there are lots of them that do!).
So if we can help you, why not give us a call, and let us deal with the burden.
We are the helping hand you may need to get you back in a place of financial freedom. Having money problems is no fun, we want to work with you and help you to overcome your financial burdens.
Come on in and see who we are, and why we love what we do.
We have a number of different solutions to help with your financial situation.
EMERGENCY ASSISTANCE
Can we help you with a really urgent situation? Pop in here and we will call you right back.
We have a number of different solutions to help with your financial situation.
EMERGENCY ASSISTANCE
Can we help you with a really urgent situation? Pop in here and we will call you right back.
We can help with:
- Debt Intervention
- Debt Counselling
- Debt Education
- Debt Management
We offer:
- Freebies
- E-Courses
- Partnerships
We can help with:
- Debt Intervention
- Debt Counselling
- Debt Education
- Debt Management
We offer:
- Freebies
- E-Courses
- Partnerships
We offer a range of workshops, seminars and classes to teach you how to manage your money more effectively. We love working together with many organisations to provide financial wellbeing in the community, so get in touch if you need any of the above or would like to partner with us.
We were struggling managing our debts and being self employed with variable income only made things worse. Thankfully working with DRS we have been able to make regular affordable repayments to suit our pocket knowing that we will one day be debt free.
Since my separation I found I was unable to manage my money and my debts were spiralling out of control. DRS have been a rock for me and my family and we feel so much happier knowing we can call them any time for help when needed.
A real weight was lifted right from the first call, now we are able to see the light at the end of the tunnel. It's going to take a while, but we are confident that with the help of DRS things are already improving.
There are a lot of myths out there about what would happen if you made a Will when you were married and then separated or divorced. So let's clear this up so we all know where we stand. If you are married and make a Will leaving everything to your spouse, then obviously when you die, they inherit what you have left them. If you are separated but not divorced, and have not changed your Will to exclude them, then again, if you die, they will inherit what you left them as you are still married. Now, here's the tricky bit. What if you made a Will leaving everything to your spouse, then got divorced, but neither of you re-married. What do you think would happen if you died without changing your Will? Would you think that because you are now divorced, they would not inherit anything from you? You would think that would be the case. Unfortunately it isn't. The current Law of Intestacy states that even if you are divorced, for the purposes of Intestacy your legal ties are not severed. This is because marriage is a legal status, divorce is not. For example, if you have made a Will leaving your estate to your spouse, you then become separated and finally divorced, your ex spouse is still legally entitled to inherit your estate. This is unless you have deliberately excluded them from your new Will, or if you have re-married or if they have since re-married. This situation is regardless of whether you are now living with a new partner or if they are. Imagine how your new partner would feel if they knew you had intended them to inherit but had not changed your will to exclude a previous spouse. They would not inherit anything. The legal ties are only severed by the new contract of marriage, this means that unless either of you have remarried the old Will still stands. This is why we always advise people to review their will upon the breakdown of a relationship, especially a marriage, so that they can carefully consider the implications of leaving things as they are or, as in many cases, re-write their will to reflect their new circumstances. That said, you can still leave your ex-spouse something if you wish to do so, but perhaps not your entire estate.
There are a lot of myths out there about what would happen if you made a Will when you were married and then separated or divorced. So let's clear this up so we all know where we stand. If you are married and make a Will leaving everything to your spouse, then obviously when you die, they inherit what you have left them. If you are separated but not divorced, and have not changed your Will to exclude them, then again, if you die, they will inherit what you left them as you are still married. Now, here's the tricky bit. What if you made a Will leaving everything to your spouse, then got divorced, but neither of you re-married. What do you think would happen if you died without changing your Will? Would you think that because you are now divorced, they would not inherit anything from you? You would think that would be the case. Unfortunately it isn't. The current Law of Intestacy states that even if you are divorced, for the purposes of Intestacy your legal ties are not severed. This is because marriage is a legal status, divorce is not. For example, if you have made a Will leaving your estate to your spouse, you then become separated and finally divorced, your ex spouse is still legally entitled to inherit your estate. This is unless you have deliberately excluded them from your new Will, or if you have re-married or if they have since re-married. This situation is regardless of whether you are now living with a new partner or if they are. Imagine how your new partner would feel if they knew you had intended them to inherit but had not changed your will to exclude a previous spouse. They would not inherit anything. The legal ties are only severed by the new contract of marriage, this means that unless either of you have remarried the old Will still stands. This is why we always advise people to review their will upon the breakdown of a relationship, especially a marriage, so that they can carefully consider the implications of leaving things as they are or, as in many cases, re-write their will to reflect their new circumstances. That said, you can still leave your ex-spouse something if you wish to do so, but perhaps not your entire estate.
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