Read the latest articles on Family Law from our expert Family Law solicitors here at Evolve Family Law in Manchester & Cheshire.
We put a lot of family law legal information on our website and if you have a single question about your situation, you should find an answer in this blog.
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In a straw poll the majority of engaged couples could see the sense in signing a prenuptial agreement before their wedding but they weren’t sure how to go about getting one. In this article prenup agreement expert, Robin Charrot, looks at how to get a prenup.
Are prenups unromantic?
If you are engaged to be married you may be worried about raising the idea of a prenuptial agreement with your fiancée or fiancé. That’s totally understandable as no one wants to appear unromantic or to cast a pall over the engagement celebrations.
Whilst prenups may not be romantic they do show that you care and that you are taking your future seriously. That’s because a prenuptial agreement has to be ‘fair’ to both a husband and wife or to both civil partners. Therefore, if you are the financially weaker party to the marriage or civil partnership, the suggestion of a prenup, whilst not romantic, can offer you peace of mind and financial security.
Who wants a prenup?
As prenuptial agreement solicitors we are often initially approached by third parties wanting to make initial enquiries to help sort out a prenup for an engaged couple. There can be many very valid reasons for this, such as:
Parents wanting to protect the deposit on the family home because they gifted the deposit money to their son or daughter.
Grandparents wanting to make lifetime gifts to a grandchild as part of estate planning and wanting to keep gifted money ‘in the family’.
A parent or grandparent, having transferred assets to a child to avoid care home fee issues or to minimise inheritance tax, wanting to ensure that the transferred property is ring fenced in the prenuptial agreement.
A family member who has transferred shares in a family business to the younger generation as part of business and retirement planning.
The trustee of an onshore or offshore discretionary trust where the trustees anticipate making future capital or income distributions.
A family member who has left a substantial legacy in their will to a family member and who wants to ensure that their legacy is protected through the prenuptial agreement ringfencing it.
A parent or family member has been through a difficult divorce and wants to protect the engaged couple by ensuring they sign a prenuptial agreement to ensure that they don’t end up in a bitter and expensive court battle over the divorce financial settlement.
A parent or other family member is from overseas where prenuptial agreements are common place.
An accountant or financial advisor or other professional who wants to ensure that a client is financially protected, for example, where one party to the marriage has already inherited a lot of money or won the lottery or is a sportsperson with exceptionally high earnings but a time limited career span.
In addition, many engaged couples are also proactive in seeking out prenuptial agreement advice. For example, a financially weaker party to the marriage may actively seek a prenuptial agreement to show they aren’t a gold digger or to show extended family that they aren’t marrying for financial reasons. Equally, the financially stronger party to the engagement may want to protect their partner with the security of a prenuptial agreement that meets their needs should the couple take the decision to separate at a later date.
How to get a prenup
The often-asked question is ‘how to get a prenup’ whereas the question really is ‘how do I get my partner to agree to a prenuptial agreement and how do I tactfully raise the topic?’
Every couple is different so what works for one won’t work for someone else but prenuptial agreement solicitors say it is best to avoid the topic whilst on bended knee or when saying yes. Equally, it is best not to leave the question of a prenup to the last minute when you or your partner are stressing about wedding arrangements and last-minute preparations. In addition, for a prenup to carry weight with the family court, it should ideally be signed twenty-eight days before the wedding. That means the topic of the prenup agreement has to be raised well in advance of the wedding date so that the contents can be discussed and agreed.
One of the best ways to raise the topic of a prenup is in a general discussion about your future together. For example, you may be planning to move in with a partner or buy a house together or contemplating starting a family.
Another possibility is to raise the topic as part of your financial paperwork. For example, if you are planning on writing a new will in contemplation of your marriage or signing a new power of attorney or taking out additional life insurance.
The key point about a prenup agreement is that the agreement should protect both of you as the agreement needs to be fair and meet both of your respective needs to be given weight by the family court.
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Conditions for a prenup
Prenuptial agreement solicitors say unless both of you comply with some conditions for a prenup agreement the document may carry little or no weight and therefore may be a pointless exercise. The conditions for a prenup are:
The prenup must be freely entered into.
You and your partner must fully appreciate the implications of entering into the prenup.
The agreement must not be significantly unfair to one spouse or civil partner.
You and your partner must each have your own independent legal advice.
You and your partner must each provide financial information about your assets, income and any debts.
A prenup should ideally be finalised at least twenty-eight days before the wedding.
Prenuptial agreement solicitors say that if you are interested in learning more about the option of signing a prenuptial agreement then the best way forward is to have a chat with an expert so you get a better idea of how a prenup may help and protect your family.
We are family law and prenuptial agreement solicitors
For legal help with a prenuptial agreement call us or complete our online enquiry form.
When money is going out of your bank account each month in child maintenance it isn’t surprising that many parents question when the child maintenance will stop. Equally, if you are a parent looking after a strapping twenty-year-old who hasn’t got a job and can't get one, then you will have a different point of view about when child maintenance should stop. In this blog children law solicitor, Louise Halford, answers your questions on when child maintenance stops.
When does child maintenance stop?
Child maintenance is the financial arrangement between you and the other parent of your child over the money payable to financially support your child after your separation or divorce. Parents make assumptions about when child maintenance stops. Common assumptions include:
Child maintenance stops if the parent getting the child maintenance has remarried or is in a new relationship
Child maintenance stops if the person getting the child maintenance is earning more than the parent who provides the child support
Child maintenance stops if the parent receiving child maintenance refuses child contact and won't let the other parent have a relationship with the child
Child maintenance stops if there is someone else helping with financial support for the child, for example a grandparent.
All of these assumptions are wrong.
It is important to understand that child maintenance isn’t affected by the status of parental relationships or whether one parent is breaching a child arrangement order and refusing contact. You may however be able to stop spousal maintenance or start court proceedings to reduce or stop spousal maintenance or to enforce a child arrangement order.
How long is child maintenance payable for?
If child maintenance has been calculated by the Child Maintenance Service you will need to pay child maintenance until:
Your child is sixteen or
Your child is under twenty if they are in approved education or training or
The Child Maintenance Service assessment is cancelled. For example, because the child comes to live with you or the care of the child is shared equally or the child is adopted.
If you are in any doubt about whether you can stop child maintenance when there is a Child Maintenance Service assessment in place it is best to take specialist legal advice as you don’t want to find out that you are still liable to pay child support and arrears have mounted up.
If you are paying child maintenance on a voluntary basis to the other parent then you can stop child maintenance at any time. However, stopping child maintenance early is likely to result in an application for a Child Maintenance Service assessment and you could be assessed as liable to pay more in child support than you were paying on a voluntary basis.
Stopping child maintenance payable under a court order
The court can only make child support orders in limited circumstances. For example:
Where both parents agree to the making of a child maintenance order or
To cover the additional costs of caring for a disabled child or
To cover private school fees – referred to as a school fees order or
To provide child support for a step-child who was treated as a child of the family during the marriage or civil partnership or
To provide for additional child maintenance after the Child Maintenance Service has made a maximum award under the Child Maintenance Service assessment process. This is referred to as top up child maintenance.
If you are paying child maintenance or receiving child support under a court order it is best to take legal advice before stopping the payments or threatening court action. That is because the type of child maintenance order and the wording in the order may determine when child maintenance will stop or the court options open to you.
For example, a child maintenance order may say that the child support order will continue until the children finish their A levels, but if over a year has elapsed from the date the child maintenance order was made you won't be able to apply to court to enforce the order.
For example, if an order is made for payment towards the costs of a disabled child the order may not be age limited if the child will continue to need specific disability related provision into adulthood.
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Varying child maintenance
Although you may not be able to stop child maintenance you may be able to vary the amount you pay either by:
Asking the Child Maintenance Service to vary the assessment
Asking the court to vary the child maintenance order
Agreeing to a change in the amount of child support that is paid on a voluntary basis.
Circumstances justifying a variation could include:
You losing your job or taking a pay cut
Your caring overnight for the children on a more frequent basis
The children going to boarding school
The children no longer living in the UK and you having increased travel costs to see them.
It is best to take expert legal advice on child maintenance variation to see if you have the grounds to reduce child support rather than unilaterally assuming that you have the power to reduce the amount of child support payable. Remember that child maintenance can be varied upwards as well as downwards.
We are Manchester and Cheshire family solicitors
For fast friendly family law and child support advice call Evolve Family Law. Our specialist family law solicitors can help you with divorce proceedings, child custody and contact , financial settlements and child maintenance. Call us or complete our online enquiry form.
Evolve Family Law offices are located in Whitefield, North Manchester and Holmes Chapel, Cheshire but we also offer remote meetings by telephone appointment or video call.
The question “ How much child maintenance should I pay?” isn’t always a straightforward one or an easy question for a Cheshire family law solicitor to answer. That’s because most family circumstances need exploring before a definitive answer can be given so you understand how child support fits into your overall divorce financial settlement. In this article, children law solicitor, Louise Halford, answers your frequently asked questions on how much child maintenance you should pay.
What is child maintenance?
Child maintenance and child support are one and the same thing to divorce solicitors. So, whilst you may hear reference to child support it is the same as child maintenance, namely the financial support paid by one parent to the other parent or primary carer of the child for the child’s upbringing and support.
What child maintenance does not cover is:
Payment of school fees – if a child is being privately educated and payment of school fees is in dispute you can apply to the family court for a school fees order that the other parent pay all or a proportion of the private school fees and any specified extras
Payment of spousal maintenance – if the other parent requires financial support in addition to the child maintenance provided for the child’s upbringing then the parent can apply to the family court for spousal maintenance provided that they are eligible to do so. For example, you cannot apply for spousal maintenance from a former spouse if you have remarried.
Child maintenance is in essence the financial arrangement between you and the other parent of your child over the money payable to financially support the child after parental separation or divorce.
The amount of child maintenance payable is not dependant on the status of the parent’s relationship. In other words, whether child support is payable and the amount of child support isn’t affected by whether you are in a married or cohabiting relationship. However, under current law an unmarried partner can't claim spousal maintenance whereas a husband or wife or civil partner can do so from their separated or divorced spouse or civil partner.
Is child maintenance payable if you don’t see the child?
If you are a separated parent and you don’t see your child , either as a result of your decision, a child arrangement order by the family court or you don’t see your child frequently because of distances and difficulties with travel, you will still need to pay child maintenance. Your legal obligation to pay child maintenance only stops if the child is adopted.
How is child maintenance calculated?
Child maintenance can be calculated and paid under:
A private arrangement- this is between you and the other parent
Under a court order – in limited circumstances the family court has the power to make a child maintenance order
Through a Child Maintenance Service assessment – the Child Maintenance Service is a government body tasked with calculating and securing payment of child maintenance.
How long is child maintenance payable for?
You will need to pay child maintenance until:
Your child is sixteen or
Your child is under twenty if they are in approved education or training or
Until you agree otherwise if payments are made on a voluntary basis under a family arrangement.
Arranging child maintenance with the other parent
You don’t have to involve a solicitor or the Child Maintenance Service to sort out how much child maintenance you should pay if you prefer to sort it out direct with the other parent. However, divorce solicitors recommend that you take some specialist legal advice so you understand how child maintenance fits in with the overall financial settlement, such as whether spousal maintenance is payable and for how long or who gets to stay at the family home. It is also important to reality test the proposed amount of any agreed child maintenance to make sure that you will still have enough to live on, especially when you have rehoused yourself and taken on a new mortgage or are incurring extra costs because of travelling to see the children.
The best point about agreeing child maintenance with the other parent is that you can agree any figure that you want to with the child’s mother or father. You don’t have to use the strict mathematical formula adopted by the Child Maintenance Service but instead can look at what the child needs and what you can afford to pay. Arrangements can be flexible and could involve you paying less than what the Child Maintenance Service would assess you as being liable to pay because you have agreed to share the costs of private nursery fees or after school or holiday clubs or you agree to pay an older child a set monthly amount in clothing and pocket money allowance. Alternatively, you can agree that payments should be higher than the Child Maintenance Service would assess you as being liable to pay because you are able to afford a higher figure and you want your child to be able to enjoy a similar standard of living to that experienced whilst you were living together as a family.
If you agree child maintenance payments direct it is best to remember that you can't bank on the child maintenance payments staying the same. If payments are made on a voluntary basis they could change, for example, they could go down if the parent paying child support realises that that the agreed figure is unaffordable because they have had to take on a big monthly mortgage commitment to buy a new property. If direct arrangements break down you can try to reach a new agreement using family solicitors or family mediation or an application could be made to the Child Maintenance Service.
Using the Child Maintenance Service
If you decide to use the Child Maintenance Service the government agency can calculate the amount of child maintenance you should pay or receive. The Child Maintenance Service uses a strict mathematical formula to assess the amount of child support. This formula does not consider the child’s outgoings (such as nursery fees) or the receiving parent or paying parent’s outgoings but instead focusses on the paying parent’s income.
Once the Child Maintenance Service has calculated the amount of child support payable the payments can be made direct between parents or collected through the Child Maintenance Service. If you use the Child Maintenance Service to collect and transfer the child support then the Child Maintenance Service will charge a fee. That’s why it is preferrable to arrange payment direct if it is possible to do so.
Who can't use the Child Maintenance Service to calculate child support?
You can't make an application to the Child Maintenance Service for child support if:
You have care of your child and you live outside the UK or
The parent who is liable to pay child support lives outside the UK and doesn’t work for a British company or
You are seeking child support for a step child. If you are married or you were previously married and the child was treated as a child of the family you may be able to apply to court for a child support court order
You need child maintenance to cover school fees or the additional costs arising out of a child’s disability. You may be able to apply to court for an order to pay these costs
You agreed a financial court order that includes a child support order for the child and the order is either less than twelve months in age or the financial court order was made prior to the 3 March 2003.
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How much child maintenance should I pay?
The amount of child maintenance that you should pay is calculated by looking at:
Your weekly gross income – this could be your salary or self-employed earnings
The number of children you need to pay child maintenance for
Whether there are children living with you in your new household – these could be step children or children you have had with a new partner
The amount of overnight contact time you enjoy with the children you are paying child maintenance for – overnight contact time is averaged over a year rather than looked at on a weekly or monthly basis.
You can calculate the amount of child maintenance you should pay or you should receive using the government online child support calculator but it is best to look at child maintenance within the context of your financial settlement so you understand how child support fits in with spousal maintenance and the split of capital or who gets to stay in the family home. It is also important to understand that child maintenance can go up or down or could end if the child moves to live with their other parent or there is a shared care arrangement.
We are Manchester and Cheshire family solicitors
For fast friendly family law advice call Evolve Family Law. Our specialist family law solicitors can help you with divorce proceedings, child custody and contact , financial settlements and child maintenance. Call us or complete our online enquiry form.
Evolve Family Law offices are located in Whitefield, North Manchester and Holmes Chapel, Cheshire but we also offer remote meetings by telephone appointment or video call.
If you are thinking about starting divorce proceedings you may have read that English divorce law is changing. However, that doesn’t mean that you need to wait before you start divorce proceedings or that it is in your best interests to do so. In this blog, Manchester divorce solicitor, Robin Charrot, looks at the current five grounds for divorce.
Evolve Family Law offices are located in Whitefield, North Manchester and Holmes Chapel, Cheshire but we also offer remote meetings by telephone appointment or video call.
The 5 grounds for divorce
Strictly speaking, a divorce solicitor will tell you that there is actually only one ground for divorce in England and Wales, namely that your marriage has irretrievably broken down. However, you have to evidence the irretrievable breakdown of your marriage under current divorce law by proving one of five facts.
The five facts are:
Adultery or
Unreasonable behaviour or
Two years separation and your husband or wife agrees to the divorce or
Desertion or
Five years separation – your husband or wife does not have to agree to the divorce if you have been separated for five years or more.
How do you prove you have the grounds for a divorce?
Many people are embarrassed at the thought of starting divorce proceedings and having to prove something like adultery or unreasonable behaviour. Equally, if you are on the receiving end of a divorce petition it isn’t nice to think that you have been accused of unreasonable behaviour or adultery. You may also worry about the effect of the divorce proceedings on your financial settlement or the childcare arrangements.
Divorce solicitors say that proving that you have the grounds for divorce is normally not as complicated or as difficult as you may envisage. Gone are the days when you had to send a private investigator to a hotel to prove adultery. If you want to start divorce proceedings based on adultery then all you need to say in the divorce petition is that your husband or wife has committed adultery with a person whose identity you prefer not to reveal and that your marriage has broken down irretrievably. The respondent to the divorce petition just has to confirm that adultery took place, without the need to go into further details.
Importantly, if you get divorced on the basis of adultery or unreasonable behaviour the basis for the divorce proceedings is only ever relevant in any child arrangement order application or divorce financial settlement proceedings in very rare circumstances. For example, if divorce proceedings are started on unreasonable behaviour and one of the allegations is that the respondent to the divorce petition physically assaulted the child. This allegation would be relevant in any child custody case. However, just because an allegation is contained in the divorce petition that you don’t agree to, it doesn’t mean that you have to defend the divorce proceedings provided that you are in agreement that the marriage has irretrievably broken down.
When are divorce proceedings contested?
As it is possible to agree to get divorced without accepting all the allegations of unreasonable behaviour or without going into a lot of detail about the adultery, most divorce proceedings are not contested. After all, it doesn’t make sense to most people to challenge divorce proceedings if they accept that their marriage has irretrievably broken down and understand that the contents of the divorce petition won't affect the financial settlement or the childcare arrangements.
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Why is it best to get divorce legal advice?
As it is actually easier to get divorced under current law than many people think, divorce solicitors advise that it is best to take specialist legal advice so that:
You don’t assume that you should not start divorce proceedings now and instead wait until you can start a no-fault divorce when the new law comes into force
You protect yourself, if necessary, by starting divorce proceedings straight away. For example, if you fear that your husband or wife is hiding money from you or transferring assets to other family members or you are worried that your spouse is spending to excess or is at risk of bankruptcy
You don’t assume that you need to contest divorce proceedings based on adultery or unreasonable behaviour because the petition is very unlikely to affect either the financial settlement or child care arrangements. In addition, you can preserve your right to challenge any false allegation in the financial settlement or child arrangement order court proceedings
You understand your divorce options as, for example, even if your husband or wife has committed adultery you may not be able to start divorce proceedings on that basis if you lived together as a couple for six months or more after they committed adultery and you were made aware the adultery. Sometimes your divorce options may surprise you as you can get divorced on the basis of two years separation if you have lived together in the same family home for two years provided that you have lived ‘separate and apart’ within the same household and your husband or wife consents to a divorce
You protect yourself, if necessary, by either not starting divorce proceedings straight away or deferring applying for the decree absolute of divorce
You understand the impact of the divorce proceedings and pronouncement of your decree absolute. For example, the impact of your separation and divorce on your immigration status if you are in the UK on a family visa or the effect of your divorce on your tax status and the tax treatment of the transfer of assets between yourself and your former husband or wife.
Most divorce solicitors say that it isn’t just navigating the divorce process that is important but also understanding how your divorce fits in with any financial settlement or childcare arrangement that you either agree or ask the court to determine.
We are Manchester and Cheshire divorce solicitors
The friendly team of specialist divorce solicitors at Evolve Family Law can help you with your separation and divorce proceedings, child custody and contact and your financial settlement. For advice on your family and private client law needs call us or complete our online enquiry form.
The Evolve Family Law offices are located in Whitefield, North Manchester and Holmes Chapel, Cheshire but we also offer remote meetings by appointment by video call or telephone.
Handing over money to a former husband, wife, or ex-partner can be galling. That’s especially the case when you are paying child maintenance and you don’t think that your former spouse or ex-partner is spending the child maintenance on your child. In this article divorce settlement and child support solicitor, Robin Charrot, looks at whether you can pay child maintenance direct to your child.
Who do you have to pay child maintenance to?
Child maintenance is normally paid to the parent who has primary care of the child. It isn’t paid to the child direct. Normally if child maintenance is paid after an assessment by the Child Maintenance Service, or after a financial court order is made in the family court, the Child Maintenance Service will encourage and the court will order that the child support is paid by direct debit to the receiving parent.
If parents reach an agreement over child support, and there is no Child Maintenance Service or court involvement, then it is possible to agree to pay the child maintenance direct to the child.
Is it best to pay child maintenance direct to a child?
You may think that as child maintenance is financial support for the child that payment of the money should go direct to an older child. However, child support isn’t just about a clothing or an entertainment allowance for an older child. Child maintenance is also meant to contribute towards the main carer’s household bills and other items, such as:
The mortgage or rent.
Utility bills and other expenses that the child benefits from. For example, the broadband or Sky television package.
Food and other essentials.
The child’s clothing.
The additional costs of looking after a child, such as presents, annual holiday , school trips etc.
Whilst you may say that:
Your former partner owns their home outright and so has no mortgage or
Your former partner lives with a partner who pays all the household bills or
You have no confidence that any of the money given to your former partner is spent on the child as the child is poorly clothed whilst your ex-partner has the latest technological gadget or designer clothing or is always off on a weekend away without the child.
The bottom line is that most parents say that they want child maintenance to be handed over to them, rather than given direct to the child. That’s because a direct handover of money can:
Make the child more aware of the parental conflict.
Create anxiety in the child.
Create conflict between child and main carer as the child sees all the child support as ‘their money’ to spend on themselves, rather than a contribution towards household expenses.
Can you split child maintenance between a child and the parent with care of a child?
If you are keen to pay child maintenance direct to your child you could have a conversation about whether you can pay some child maintenance by direct debit to your ex-partner and the balance direct to your child as a personal clothing or entertainment allowance.
Does the Child Maintenance Service taken into account money paid direct to a child?
If you pay money direct to a child and your ex-spouse or former partner then applies to the Child Maintenance Service for a child support assessment the Child Maintenance Service will carry out a calculation of your liability to pay child support. When calculating the amount of child support payable the Child Maintenance Service will look at your income rather than your outgoings and therefore won't take into account the payments made direct to your child.
Agreeing direct payments to a child
If you are able to reach an agreement on paying child support direct to a child then it is best to record that, either in your separation agreement or in your financial court order, as part of the overall financial settlement. However, if financial circumstances change, the parent with primary care could change their mind and ask for direct payments to be made.
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Child support and financial settlements
If you have separated from a former partner or are in the midst of divorce proceedings with a husband or wife it is best to consider child support as part of your overall financial settlement, rather than look at it in isolation to other aspects such as payment of spousal maintenance and whether you will get to stay in the family home or if it will be sold or transferred to your partner.
We are financial settlement and child maintenance solicitors
For legal help with a financial settlement or child maintenance call us or complete our online enquiry form.
Evolve Family Law offices are in Holmes Chapel, Cheshire and Whitefield, North Manchester but we also offer remote meetings by telephone appointment or video call.
In this article, private client and Will solicitor, Chris Strogen, looks at what types of assets are subject to probate.
What is probate?
Probate is the legal term used for sorting out the financial affairs of the deceased after someone has died. In essence, probate gives the persons dealing with the deceased’s estate the legal authority to sell assets and pay debt and distribute the estate to the beneficiaries of the Will.
If you appoint a private client solicitor in your Will as your executor and trustee they will still need to apply for probate in the same way as if you appoint a family member or friend as your executor. Probate is designed to protect your estate and to make sure that the estate passes to the people named in your Will and only those authorised to do so in your Will (or a solicitor appointed on their behalf) can action the requesting of probate and then administer probate.
Is probate always necessary?
Probate isn’t always necessary. For example, if the estate is very small and the estate doesn’t comprise of property or land, you may not need to obtain a grant of probate. It is best to ask a specialist probate solicitor if a grant of probate will be needed and how long it will take to secure probate.
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What assets are subject to probate?
When a person dies their assets are referred to as their ‘estate’. The vast majority of assets are subject to probate. However, some assets may fall outside the estate and therefore not form part of probate. For example , a life insurance policy or pension may not form part of probate, depending on the wording.
If assets were jointly owned by the deceased and another person then they may not form part of the grant of probate if the property was owned by the deceased and the co-owner as ‘joint tenants’. That’s because if a property is owned as joint tenants, on the death of the first co-owner the property passes to the surviving owner. This is referred to as the ‘right of survivorship’. The property therefore does not pass by the Will and accordingly doesn’t form part of probate. The situation is different if property or land is owned by co-owners as ‘tenants in common’.
When making a Will it is important to understand the different types of legal ownership of property and land so you can make the best decision for you on whether to buy as joint tenants or tenants in common and the legal implications of doing so. If you bought a property with a co-owner and want to convert your joint ownership from tenants in common to a joint tenancy or from a joint tenancy to tenants in common, then it is possible to do so.
If an estate includes assets that are overseas, such as a holiday home, it is best to take specialist legal advice on whether those assets will form part of probate.
What do you do if an asset is subject to probate?
If an asset is relevant to probate then it will form part of the estate for the grant of probate. It is the grant of probate that gives the executors (or the probate solicitors appointed by them) the power to:
Discharge any inheritance tax due.
Inform banks and other relevant institutions about the death and close any accounts.
Sell or transfer assets, such as listed shares, a property or land or shares in a family business.
Sort out any leases, such as leases of land or farm or equipment.
Pay any debts.
Distribute the remaining estate in accordance with the Will.
We are Manchester & Cheshire Probate Solicitors
For legal help with probate or with a Will or estate planning call Chris Strogen at Evolve Family Law or complete our online enquiry form.
Evolve Family Law offices are in Holmes Chapel, Cheshire and Whitefield, North Manchester but we also offer remote meetings by telephone appointment or video call.
When you have suffered a bereavement, it can be hard to navigate what you need to do to sort out a loved one’s estate and their financial affairs. In this article we look at what a grant of probate is and whether you will need to obtain one.
What is probate?
Probate is the legal process of administering the estate of a deceased person so that assets are gathered in, any debts paid and the estate distributed. If the deceased left a valid Will their estate will be distributed in accordance with the terms of the Will. If the deceased didn’t make a Will their estate will be distributed in accordance with intestacy rules. If there is an intestacy, the legal process of administering the estate is called ‘letters of administration’.
Who deals with probate?
The task of an executor named in a Will is to deal with probate. Most executors don’t deal with the probate personally but instead ask a probate solicitor to deal with the legal work for them. As an executor they retain overall control of the administration of the estate and give instructions to the solicitor.
If the deceased died without making a Will, they died ‘intestate’ and the intestacy rules say who can apply to administer the estate and who will receive the estate. An administrator can ask a probate solicitor to administer the estate on their behalf.
What is a grant of probate?
A grant of probate is the legal document that gives the executor of a Will the legal authority to act. Without a grant of probate most third parties won't act on the instructions of an executor as they need evidence that the deceased has died and that the person contacting them is the authorised executor or administrator of the estate.
How do you apply for a grant of probate?
In most situations the grant of probate follows a set path, namely:
The executor, or the probate solicitor instructed by them, gets information about the estate, including the assets and any debts
The grant of representation is applied for
An inheritance tax form is completed and, if necessary, any IHT can be paid
The grant of probate is received
The assets of the estate are gathered in (for example, shares or property may be sold depending on the terms of the Will)
Any debts payable by the estate are discharged (for example, outstanding care home fees or utility bills on a property)
The estate is then distributed in accordance with the Will or intestacy rules. Estate accounts are prepared to show the monies and assets received, debts and taxes paid and how the estate was distributed.
Some grants of probate are straightforward but others can be complicated. For example:
If the named executors in the Will do not get on
If the beneficiaries of the Will are potentially going to challenge the speed or work of the executors in securing the grant of probate and distributing the estate
If the validity of the Will is challenged
If there is a dispute over the Will and questions over whether it made fair financial provision for a dependant of the deceased
If there are likely to be complicated inheritance tax, CGT, trust or sale issues because of the size of the estate or the nature of the assets. For example, if the deceased died within a short time of making lifetime gifts or where the estate consists of a large buy to let property portfolio or some assets are overseas, such as a holiday home
The family want to change the Will provisions through a deed of variation.
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Who pays for probate?
Some people think that if they are named as an executor in a Will that they have to undertake the obtaining of the grant of probate personally. That isn’t normally the case as Wills enable an executor to instruct a probate solicitor. The costs of the grant of probate and the probate solicitor come out of the estate before it is distributed to the beneficiaries. The probate solicitors’ cost will depend on the size and complexity of the estate. Fixed fee or hourly cost quotes should be made available. At Evolve Family Law we believe it is very important that fees are transparent and publish a price guide on our website. For a bespoke quote please call us and we can look at the work you would like us to do.
Is a grant of probate necessary?
In some family situations, an executor or a loved one or beneficiary will question if a grant of probate is necessary. Probate solicitors say this question is totally understandable as no one wants to go through unnecessary processes. In situations where the estate is very small a grant of probate may not be needed. Whether you need a grant of probate or not doesn’t depend on whether there is a Will or not or whether a husband or wife is inheriting the entire estate, but rather depends on the size and nature of the assets in the estate. If there is a property to sell, a grant of probate will always be required.
If you aren’t sure whether a grant of probate will be needed or not our Manchester and Cheshire probate solicitors are always happy to advise you on if a grant of probate is needed and, if so, the likely probate solicitors’ fees for securing probate for the estate.
We are Manchester and Cheshire probate and Will solicitors
Evolve Family Law specialise in private client law advice. For advice about a grant of probate or your responsibilities as an executor or whether you can challenge a Will call us or complete our online enquiry form.
Evolve Family Law have offices located in Whitefield, North Manchester and Holmes Chapel, Cheshire but our private client and Will solicitors are experienced in working remotely and offer meetings by telephone appointment or video call.
When you take the decision to separate you may not realise just how big an impact your divorce may have on your future income. The financial services company, Legal and General has revealed that women’s income falls by a third and men’s income by 18% on divorce. In this blog we look at the impact of divorce on your income.
The divorce statistics
You may be shocked by the divorce statistics and question why a woman’s income on divorce should reduce by more than men’s income.
The Legal and General research suggests that there are several factors behind the statistics, such as:
The reality is that many women earn less than their male counterparts during the marriage because of career choices and childcare
In divorce financial settlements women are more likely to ask her for and get a financial settlement that includes the family home or more than half the equity in the sale proceeds of the family home. If you get a greater share or all the equity in the property, then you are less likely to be awarded spousal maintenance or to receive a share of their husband's pension fund and the making of a pension sharing order.
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Will a divorce impact on my income?
When a couple separate it is usual to go from a two-income household to a one-income household with a consequent reduction in income.
If a reduced income means that you can’t manage to pay your reasonable outgoings, the court can make an order that the other party to the marriage pay spousal maintenance. The payment of spousal maintenance can continue indefinitely until terminated by death, re-marriage of the receiving party or further order. Alternatively, the court can order that spousal maintenance is paid on a time limited basis.
What amounts to reasonable outgoings will depend on the standard of living enjoyed during the marriage as well as the affordability of the current outgoings considering:
The ability of one spouse to afford to pay spousal maintenance and still meet their own reasonable outgoings and
The ability of the other party to the marriage to either find work or increase their earnings capacity so they can meet all or a greater proportion of their own reasonable outgoings.
Divorce solicitors will tell you that when it comes to income on divorce and whether your respective incomes will be shared (through a spousal maintenance order) comes down to a range of factors, such as:
Whether you have young children to support and whether the care of children impacts on your earnings capacity
Whether any disability or age impacts on your ability to seek employment or increase your income
Your income and earnings capacity
The extent of your reasonable outgoings
The length of the marriage
Other factors, such as the existence of a prenuptial agreement that sets out whether and how long spousal maintenance should be payable on separation and divorce.
Perhaps, just as importantly, parity of income on divorce can come down to a question of priorities. You may want to forgo a pension sharing order on divorce as your priority isn’t income on retirement but instead getting the equity in the family home so you can rehouse yourself without a mortgage. Alternatively, you may want the capitalisation of your spousal maintenance payments so that you get a cash lump sum instead of ongoing monthly payments.
Whatever your priorities it is best on separation or divorce to take legal advice from a specialist divorce solicitor so you can understand the range of options for your financial settlement and work out which one is best for you and your family. Without expert legal and financial advice, you may not appreciate the value of the pension fund belonging to your spouse and how a pension sharing order could be to your financial advantage.
The divorce solicitors at Evolve Family Law will not only look at your financial settlement options but they will also reality test them with you. For example, if your priority is to keep the family home and you are willing to forgo a pension sharing order or spousal maintenance to keep the property then this may not be a realistic or best option if you can’t afford to pay your reasonable outgoings on the property as you aren’t getting spousal maintenance or a pension sharing order.
Our Manchester and Cheshire Divorce Solicitors
Evolve Family Law specialise in separation and divorce proceedings and resolving financial settlements .Call us or complete our online enquiry form for expert legal assistance with your financial settlement. Evolve Family Law have offices in Whitefield, North Manchester and Holmes Chapel, Cheshire but our family law solicitors are also experienced in working remotely and offer meetings by telephone appointment or video call.
The short answer to the question ‘are prenuptial agreements legally binding in the UK?’ is no but please read on as prenuptial agreements can save you a lot of money. They are the financially prudent and the sensible, if unglamorous part, of wedding planning.
What is a prenuptial agreement?
A prenuptial agreement is an increasingly common document that an engaged couple enter into prior to their marriage. If someone isn’t sure what a prenuptial agreement is or what it does then they can be more wary about signing the document so it is best not to make assumptions about your partner’s understanding of what a prenuptial agreement is and will do.
In essence a prenuptial agreement will govern how a couple will regulate and resolve their financial affairs in the event of a separation. The prenuptial agreement is bespoke to the couple and can be as detailed or as simple as the couple prefer.
Prenuptial agreements and UK family law
Now is a good time to answer the question ‘are prenuptial agreements legally binding in the UK?’ That’s because the leading family law case report on prenuptial agreements was ten years old in October 2020. The case remains good case law that is followed by family law judges when they are asked to consider a prenuptial agreement in divorce and financial settlement proceedings. The judges follow this case report, and later decided cases, in the absence of any UK legislation on the status of prenuptial agreements in UK divorce law.
The leading family law case on prenuptial agreements remains the 2010 UK Supreme Court decision of Radmacher v Granatino.
What is the legal status of prenuptial agreements?
A prenuptial agreement doesn’t have any statutory or legislative basis and isn’t a binding contract in the same way as a commercial contract. However, that doesn’t mean that a prenuptial agreement doesn’t have legal status. It gets its status from case law, particularly from the leading court case of Radmacher.
Prior to the case of Radmacher prenuptial agreements were thought to be contrary to public policy because they might encourage separation, though the reality was couples wanted to enter into prenuptial agreements, not with a view to separation, but to cover that eventuality, in the same way couples organise life insurance, Wills and Lasting Powers of Attorney. The Radmacher case acknowledged the importance of couples being able to freely enter prenuptial agreements.
The status of prenuptial agreements after the Radmacher court case
In the Radmacher case a French husband and a German wife entered into a prenuptial agreement three months before their marriage. In essence, the prenuptial agreement said that neither the husband nor the wife would make a claim on the other’s property if they separated and got divorced. The couple had two children together but eventually separated. The husband made a financial claim and the wife said the prenuptial agreement should be binding on him.
During the financial court proceedings the court had to assess the relevance of the prenuptial agreement. The wife, who was heir to family wealth, said the prenuptial agreement should be binding but the husband argued that it wasn’t. His argument was based on the fact that he did not have legal advice when he agreed to the prenuptial agreement, there had been no financial disclosure or negotiations before the agreement was signed and the couple had children after entering into the agreement.
The court case went all the way to the Supreme Court and that’s why it remains a leading case on the status of prenuptial agreements in financial court proceedings. The Supreme Court said that ‘’the court should give effect to a nuptial agreement that is freely entered into by each party with a full appreciation of its implications unless in the circumstances prevailing it would not be fair to hold the parties to their agreement."
The key points from the Radmacher case is that your prenuptial agreement must be freely entered into and should be fair.
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What is a freely entered into and fair prenuptial agreement?
As it is ten years since the Radmacher decision not only are more couples choosing to enter into prenuptial agreements but the family court is also being asked to look at the relevance of prenuptial agreements in divorce and financial proceedings.
If you are looking at signing a prenuptial agreement then it is important to ensure that your agreement is drafted by a prenuptial agreement solicitor who knows what the court will look at when deciding whether to enforce the agreement or to give it weight in any financial court proceedings.
Whilst prenuptial agreements are not currently automatically enforceable as a contract the family court will either enforce it or give weight to the terms of the prenuptial agreement (thus potentially reducing the size of the financial settlement that would otherwise have been awarded in divorce and financial proceedings ) if the following formalities are met:
The terms of the prenuptial agreement must be fair to both parties and must meet the needs of any children
There must have been financial disclosure so that the husband and wife each had an understanding of the other’s financial position so they could make informed decisions about the content of the agreement and whether to sign it
The prenuptial agreement should be signed at least twenty one days prior to the marriage ceremony or civil partnership
The agreement should be freely entered into with no duress or undue influence or misrepresentations about signing the prenuptial agreement
Both parties to the prenuptial agreement should take their own independent legal advice before signing the document.
Is a prenuptial agreement a good idea?
Since the Radmacher case prenuptial agreement solicitors have seen a substantial rise in enquiries about both prenuptial agreements and postnuptial agreements. That is because, in today’s age, couples want to plan and feel financially secure, whatever the future holds for them. To a family solicitor that is just sensible and prudent planning from a committed and switched-on couple who don’t want to engage in expensive court litigation should they decide to separate at a later date.
Our Prenuptial Agreement Solicitors
For help with your prenuptial agreement or postnuptial agreement call the friendly, specialist prenuptial agreement solicitors at Evolve Family Law or complete our online enquiry form. Our offices in Holmes Chapel, Cheshire and Whitefield, Manchester are open with social distances measures in place for face to face meetings, however an appointment is required. We also offer remote meetings by appointment by video call or telephone for those who prefer not to travel.
Getting in contact with Evolve Family Law could not be easier.
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