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TIPS TO PROTECT SENIOR ADULTS FROM FINANCIAL SCAMS AND ABUSE

Posted By ruso on Tuesday November 22 2022 198
Technology » Misc




Tips to protect senior adults from financial scams and abuse



You must have already known stories of people who, as they became elderly, had
to face some situations of financial violence and extortion. These cases can
happen within families or in financial institutions. And they are more common
than we think.

According to government´s data, financial violence against the elderly is the
third most common type of violence against this segment. The first is
psychological and the second is neglect. In a way, these types of violence may
be interconnected.

But how to identify what is an act of financial violence against the elderly? To
begin with, any practice aimed at the illicit appropriation of the property of
an elderly person is considered a crime. Therefore, financial violence includes
actions such as forcing the elderly to sign a document or a power of attorney
without his consent or without him knowing what it is about. Other examples are
forcing the elderly person to change a will or contract, oblige the elderly to
make a donation or coerce them to take out payroll loans and make loans and
credit card debts.

It is very common for the elderly to delegate the administration of their income
to third parties without taking due care and without being aware of the rights
imposed by law. Often, they even transfer assets at the request of family
members.

Anyone who commits financial violence against the elderly, appropriating goods
or values, for example, can receive a penalty from 1 to 4 years, in addition to
a fine, according to the Elderly Statute. Whoever retains a bank account´s card
from an elderly person can face between 6 months and 2 years of detention and
fine.

Most cases of financial violence against the elderly are committed by their own
family members. There is no specific profile of who is a victim or who commits.
Experts have come across people who earn a minimum wage and suffer financial
abuse from family members, and also people with a lot of resources who end up
being duped.

According to some experts, something essential for change is that new
generations begin to realize the importance of greater planning for old age in
every sense. People need to know that they are going to get old, that they will
demand greater care and resources. There has to be planning in that sense,
something people don’t do.

A way to reduce financial abuse (view), psychological violence and neglect
against the elderly would be to try to help them better understand their rights
and promote more autonomy for them. Today there is a kind of infantilization of
the elderly who, often, because of technology, has difficult access to
information about his rights. In this sense, we need to promote and facilitate
this access in this new context.

When the elderly person has cognitive limitations, for example, there are legal
resources that can be used. Before curatorship, which is a legal protection
measure, we have another legal resource, which is supported decision-making. In
this case, there are two people acting as supporters, helping the elderly in
decision making. They are trusted by the elderly. If she sees that she starts to
have certain difficulties, she can ask for these supporters.

Financial violence against the elderly can involve a series of issues, and there
is no single way forward. Family members need to think about prevention and
protection measures to help. They need, within the family, to seek ways to
protect the elderly.

It is also important to seek help from consumer protection agencies if financial
violence happened through banks and other credit institutions. In this sense, it
is important to be aware that the financial system is a highly competent system
in indebting people. That's why a consumer association or association of
indebted and borrowers is really important. In this sense, pressure may be the
way to solve it.

Offering credit is easy and fast. But from the moment you default, it's
aggressive harassment. In general, banks outsource to offices that start calling
you daily with veiled threats. In this sense, some people who have suffered this
kind of abuse from financial institutions affirm that you have to have support
of all kinds because the threats are heavy.

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