How to Spot Elder Financial Abuse by Family: Signs, and Legal Solutions in Georgia

As our parents, grandparents, and other loved ones age or face serious health issues, they often need more help with everyday decisions, caregiving, and managing their money. Many times, family members step up out of love. But sadly, not everyone has good intentions.

At Thompson Mungo Firm, we’ve seen how elder abuse, especially financial exploitation, can quietly happen within families. It often starts small, unnoticed, and by the time someone realizes what’s going on, the damage is already done.

That’s why it’s so important to know the signs, speak up early, and take action if something doesn’t feel right.

What Is Elder Abuse and Financial Exploitation?

Elder abuse is any action—or failure to act—that causes harm or serious risk to an older or incapacitated person. It can take many forms:

• Physical abuse

• Emotional abuse

• Financial exploitation
  

Financial abuse often happens quietly. It’s not always someone breaking in and stealing money—it might be a trusted family member slowly gaining control, isolating the elder, and making decisions for them. 

In many cases, the person being abused doesn’t even realize what’s happening, especially if have dementia or other cognitive conditions.

What to Watch For (Common Signs of Abuse)

Abuse isn’t always obvious. It can hide behind a smile, a caring voice, or a “helpful” family member. Here are some red flags to look out for:

1.Controlling Behavior

• A family member speaks for the elder, even when the elder can speak for themselves.

• They block visits or phone calls, often saying, “They’re too tired” or “They’re not feeling well.”

• They take over scheduling appointments and controlling who the elder sees or talks to.
  

2. Isolation

• Friends and family are discouraged from visiting or calling.

• The elder seems withdrawn, anxious, or afraid when certain people are around.

• The caregiver insists on being present during every conversation or visit.
  

3. Strange Financial Activity

• Unexplained withdrawals or transfers from bank accounts.

• Sudden changes to wills, deeds, or power of attorney documents—especially if they benefit the caregiver.

• Missing personal items, checks, or financial records.
  

4. Neglect

• Poor hygiene, weight loss, or untreated medical conditions.

• Missing glasses, hearing aids, or mobility devices—even if the elder can afford them.

• Bills are going unpaid, or utilities are  being cut off without reason.
  

5. Emotional or Physical Harm

• Bruises, bedsores, or frequent falls.

• The elder appears depressed, fearful, or unusually quiet.

• They make comments like, “I’m not allowed to talk about that,” or “They’ll get mad if I say anything.”

6. Manipulation and Pressure

• The elder is pushed to sign papers or make decisions while confused or medicated.

• The caregiver uses fear—like threatening a nursing home—to get what they want.

• They say things like, “You don’t need a lawyer,” or discourage outside help.
  

A Sample Story

Juan is 85 and was recently diagnosed with early-stage dementia. His niece offered to move in and help manage the home and bills. At first, it seemed like a blessing. But over time, Juan stopped going to his appointments. He became quiet and withdrawn. His adult children were told he was confused or too tired to visit. Eventually, the truth came out that Juan’s savings were gone, his home was in foreclosure, and his power of attorney had been changed.

This is the kind of abuse that doesn’t always look like abuse—until the damage is done.

Why It Matters?

This isn’t just about money. It’s about protecting someone’s dignity, independence, and safety.

When an elder is financially exploited, it causes more than financial stress—it can lead to deep emotional pain, anxiety, and even serious health issues. And many who are incapacitated can’t speak up for themselves, which is why it’s critical for family, friends, and caregivers to be aware and act quickly.

In Georgia and other states, legal options like guardianship or conservatorship can help stop the abuse and ensure proper care, but time is of the essence

What You Can Do?

If you suspect something is wrong, don’t ignore your instincts. Here’s how you can help:

• Stay Involved: Call or visit regularly. Pay attention to changes in mood, access, or communication.

• Ask Gently: Have open, caring conversations about finances, health, and decisions being made.

• Take Notes: Keep records of unusual events, blocked calls, or missing items.

• Get Legal Help: Speak to an attorney about guardianship, conservatorship, or steps to stop the abuse.

• Report It: If you believe someone is in danger, contact Adult Protective Services or local authorities.
  

Final Thoughts

Elder abuse isn’t always obvious. It can hide in caregiving, affectionate tones, and family dynamics. But manipulation, control, and financial exploitation are serious, and they are forms of abuse.

If you’re concerned that someone you love is being taken advantage of—even by a relative—don’t wait. Trust your gut and take action.

At Thompson Mungo Firm, we’re here to help. Call us at 678-855-6002 for a confidential consultation. Let’s stand up for those who once stood up for us.