Myth: All your debts will be written off when you die

Mortgages, loans, credit cards, car finance…..whatever the debt, there’s a myth where people think their debts are written off when they die. But that’s not the case.  Any assets you had before your death, including any properties, savings and valuables, such as jewellery, car, etc, will be used to pay off any outstanding debts. Your partner, children and family or anyone else you’ve left your estate to, won’t get a penny until all of that debt has been paid. This is the case whether or not you have made a Will.

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If you have children, what will happen to them in the unlikely event that you die and they are left with no parents to look after then? It may not be something you’ve considered, or wish to think about, but your children’s future security is important to you.

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We are all guilty of it, but did you know there are (at least) 4 reasons why we procrastinate?

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There has been a steady rise in more complex family structures and in multi-family households. Alongside this, there has been an increase in assets held in the UK and overseas as people increasingly live, work and invest more diversely than previous generations.

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Elderly relatives may need help for various reasons.  They may be in the early stages of dementia, or have physical or mobility difficulties.   Maybe they’d just prefer if you dealt with matters for them.

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