It’s crucial to be safe when your loved one has a substance use disorder. Protect your finances and possessions so that you don’t have serious problems down the road.
Families With Drug Abusers Always Have Financial Difficulties
Drug abusers (and some people with behavior addictions) need money all the time to support their drug of choice. They use their families to get it by:
- Going from one family member to another asking for money
- Taking money from wallets and purses that are left unattended
- Stealing valuables from their relatives’ home to sell
- Scaring family members into providing money for them
- Coercing or blackmailing family members who fear homelessness or worse behaviors if they don’t give money
The families that protect themselves against financial wreckage due to a substance abuser are the families that fare the best. Here are some tips to follow.
Protect Valuables In The Home
Know what and where your possessions are and monitor them. What to do:
- Make a list of your assets and valuables
- Know where everything is
- Make sure your valuables all have your name on it
- Engrave your name on jewelry when you can
- Lock valuables away whenever possible
- Alert everyone in the family that possessions are watched and monitored
Guard Your Wallet
Does the abuser have access to your wallet, cash, credit and debit cards? Does cash mysteriously disappear? Cash charged on a credit card costs more, and the credit card holder may be held responsible for the charges. Have you seen charges you don’t recognize on your cards? What to do:
- Make sure your wallet or purse is always in a safe place not accessible to abuser
- Keep your cash hidden
- Keep your credit cards locked up
- Check you balances frequently
Protect Bank Accounts And Investments
Who is in charge of the family money? Abuse occurs when the abuser is in charge of finances. Be aware of your family finances. What kind of bank and investment accounts do you have and where are they? You should have access to bank accounts and safety deposit accounts as well as investment accounts. What to do:
- Be sure to have access to all bank accounts
- Watch the balance to see if cash is going out
- Start keeping some money separate for emergencies
- Change passwords often for online banking accounts that you own
- Check your safety deposit box if you keep valuables there
- If you have an investment advisor alert him/her to potential problems
Grandma And Grandpa’s Finances
Abusers will go from family member to family member with sad stories and sometimes threats. The most vulnerable may well be grandma and grandpa. Is the abuser stealing from the grandparents or getting them to hand over social security checks? What to do:
- Take an inventory of grandparents’ valuables in the home
- Monitor what drugs they taking and make sure they are not kept in the open
- Ask about investment accounts, bank accounts, debit cards, and other potential sources of cash
- Keep in touch with them and other vulnerable family members
- Pay special attention to jewelry, guns and other weapons, and tools
Legal Options
Check with your lawyer about your rights and liabilities as a spouse or parent.
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Content Originally Published By: Leslie Glass

Leslie Glass is the founder of Reach Out Recovery and the winner of the 2016 ASAM Media Award. Leslie is also the creator of Recovery Guidance, the information website for those seeking addiction and mental healthcare for professionals nationwide. Leslie is a journalist, director/producer of award-winning documentaries, and the author of 15 bestselling novels. Leslie has served as Chairman of the Board of Plays For Living, was a member of the Board of Directors of Mystery Writers of America. She has served as a Public Member of the Middle States Commission of Higher Education, as a VP of The Asolo Theatre, and was a Trustee of the New York City Police Foundation.