ABA Family Legal Guide

The Rights of Older Americans

A Right to Control Your Own Affairs

Abuse and Exploitation

My son is using all my money to buy illegal drugs. He is also running up large charges on my credit cards. (His name is on my credit card accounts and my bank accounts.) Since he is a co-owner of my home, I am afraid he will mortgage it or possibly even sell it to get more money. What can I do?

Even if he has the legal right to reach your funds, you can protect yourself from this type of financial exploitation. Ask your bank to help you transfer funds to new accounts that your son may not access. Write all your credit card companies and ask them to remove your son's name from your accounts. Have them issue new credit cards to you.

Contact a lawyer to see what you must do to protect your home. A free legal services program for older or poor persons may be able to help you. Your local area agency on aging can help you find those resources.

Finally, local social services agencies may be able to help you and your son. Many agencies have experience in dealing with family difficulties of this sort. You do not have to allow your son's problems to threaten your own well-being and financial security.