Lasting Power of Attorney

Who Holds Your Handlebars If You Can’t?

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The Law of the Road: Why You Need an LPA

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If you lose the capacity to make your own decisions—whether from a bad wreck or a sudden illness—the state steps in. Your family will have to fight the courts for months and spend thousands of pounds just to manage your bank accounts.

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A Lasting Power of Attorney (LPA) is a legal document that bypasses the courts entirely. It officially appoints a person you trust to handle your business if you can't. At Iron Horse Legacy, we handle the heavy lifting and build a bulletproof LPA for you.

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The Two Types of Protection:

1. The Financial LPA: Lets your trusted person manage your money, bills, business, and property.

2. The Welfare LPA: Puts them in charge of your medical care and health decisions.

 

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The Blind Spots: What Happens Without One?
 

• Frozen Accounts: If you lose capacity, joint bank accounts with your spouse can be locked down instantly by the bank.
   

• Missed Bills: If your partner relies on that joint account for the mortgage or utility bills, they will be left stranded without access to the cash.
   

• Massive Court Fees: Your family will pay thousands to the Court of Protection just to get permission to help you.