[chvid]

I have been in a situation where I needed help as have my sister.

You just call them, explain your situation and hear what they say.

In general they give you a quick evaluation and then say: In order for us to help you, you need to be a member - the price is xxx pr. month - if you sign up now we will work on your case straight away, we also have an insurrance that covers lawsuits and some other benefits.