1 hands off my $$! preventing & reporting financial abuse presented by office of clients rights...
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Hands Off My $$!Preventing & Reporting
Financial Abuse
Presented by Office of Clients’ Rights Advocacy
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Introductions
Please go around and introduce yourself• My name is…• My favorite thing to
spend $$ on is…
OCRA DollarsYou will get OCRA Dollarsfor participating in thispresentation. Whoever has the most will win aprize!
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Who wants to take your $$?
You owe $$ to…
• Your landlord
• For Your bills
• For your clothes
Who else could you owe $$ to??
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WHO ELSE DO YOU NOT OWE $$ TO?
• A telephone salesperson
• Anyone like an ILS worker or care provider
• Your friends or relatives
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Why is it your money?
Where do you get your $$ from?• Jobs
• SSI
• SSA
• Loans (Banks)
• Advances on Credit Cards
Where else?
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The Personal Loan – Don’t Do It!
The following is a role-playing skit. We need someone
to play the:• Customer• ILS worker• Counter Person
You’re at Burger King to eat, and your ILS worker asks
you for some $$ to pay for his dinner. Do you have a
choice to loan the $$ or not?
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The Personal Loan (continued)
• How did the skit work?
• What did the customer say?
• What would you do differently?
Get into groups of 3. Decide who is who.
Now you act it out – you have 10 minutes.
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Loan Agreement
You almost never loan money to anyone. But if you do, use this handout and fill in allthe blanks.
Terms to know:• Lender: the person who gives the money.
• Borrower: the person who gets the money.
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LOAN
Date: _________________________________________
I am loaning___________________________________________
(Name of Borrower)
$____________________________ (Amount of Money Loaned)
________________________________________________________
(Name of Lender)
Always make a copy and keep for your record.
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LOAN REPAYMENT –
Borrower agrees to pay meback:__________________________________________
Example:• On June 5, 2005• $5.00 every time he receives his check• When he gets back from visiting his family
Borrower’s Name:_______________________________
Borrower’s Address:_____________________________
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Record of Payments Received
DATE AMOUNT RECEIVED
$______
_______________ $______
_______________ $______
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What if someone does not want to pay you back?
Call your Service Coordinator or
OCRA.
They will help you or tell you how to
collect the $$.
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IDENTITY THEFT – YOUR PERSONAL INFORMATION
ANYONE CAN TRY AND STEAL YOUR
PERSONAL INFORMATION SUCH AS
YOUR:• Identification Card or Driver’s License• Social Security Number• ATM Pin #
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HOW CAN PEOPLE STEAL YOUR PERSONAL INFORMATION?
Your information can be stolen by:
• They can stand behind you in the ATM line and watch you type your personal PIN #.
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• Someone can steal your personal passport, credit card, or drivers license.
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• Your checks can be stolen if you don’t have a safe mailbox.
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• If you buy something on the Internet, your credit card information will be displayed.
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• They can try and sell you something over the phone and then steal your credit card number.
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• They can keep a carbon copy of your credit card information when you buy something.
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Identity Theft – Beware!
The following is a role-playing skit. We need someone to play the following parts:
• Consumer• Identity Thief
You’re at the ATM machine when someone
approaches you and tries to get your code.
What do you do?
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Identity Theft
• What worked well in the skit?
• What else could the consumer have said?
• What would you do differently?
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Your Credit Record is Important!
Always keep a copy of the front and back
of your credit card, in a safe place.
You can get a copy of your credit report.
It is free every 6 months!
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WHAT IF SOMEONE STEALS MY PERSONAL INFORMATION?
If someone steals your ATM, credit card or check:
Tell someone you trust.
• Call the number on the back of the credit card and on the front of your checks and report the theft to the police.
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How to Stop Someone from Usingyour Credit Card if it is Stolen!
If someone steals yourchecks, ATM or credit card:
Tell someone you trust and, • Call the credit bureaus: Equifax 1-800-685-1111 Experian 1-888-397-3742 TransUnion 1-800-888-4213
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WHAT ARE CREDIT BUREAUS?
• The 3 major credit bureaus keep track of everyone’s credit in the United States. (and elsewhere)
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What are Telemarketers? – Don’t buy it!
The following is a role-playing skit. We need someone to play the following parts:
• Customer• Telemarketer (Someone who sells something
over the telephone)
You’re at home when a telemarketer calls trying
to sell you the newspaper and you don’t want
the newspaper. What do you say?
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Telemarketers (continued)
• What worked well? • What else could the customer have said?• What would you do differently?
Find your partner again. You know the
routine...
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IF YOU DON’T WANT TO BUY SOMETHING, DON’T!
These are some ways that people get
trapped into buying something when they
really don’t want it:• Mail Order Catalogs in the mail• Internet pop-ups that want to sell you
something.• Store Catalogs
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Do Not Call Lists
Never provide personal information to anyone over the phone!• Get on the National Do Not Call list by
calling: 1-888-382-1222 or 1-866-290-4236• If you keep getting calls after 3 months,
file a complaint (Same numbers as above)
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Debt Collection
Sometimes we spend more $$ than we should
And cannot pay our debts. Here are your
rights:
If you owe $$, you cannot go to jail for a debt.• If you receive SSI, it cannot be collected to pay
off a debt• However, non-payment will affect your credit
record. You may not be able to borrow more $$ for years.
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If you get SSI
Call your Service Coordinator or your
CRA to find out what you can do if you
cannot pay your bill.
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Important Points
Remember…
• Don’t loan your money
• Be careful with personal information
• Report fraud
• Don’t buy things over the phone
• Don’t spend more than you have
• Know your rights
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WHO CAN YOU CONTACT FOR HELP?
• Your service coordinator• Your support personGive other examples…
And of course…You can always contact yourOffice of Clients’ Rights Advocacy(OCRA)
OCRALos Angeles Office Toll Free 1-866-833-6712
Sacramento OfficeToll Free 1-800-390-7032
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NOW COUNT YOUR FAKE MONEY!
Whoever has the most fake money,
wins the grand prize! Good luck
everyone!
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