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Senior Citizen Scams are Raking in Billions $...Your Inheritance could Vanish overnight!

Updated on October 29, 2014

Billions are sitting in bank vaults, all scammed from Seniors!

Valuables are not safe in deposit boxes from scam artists.
Valuables are not safe in deposit boxes from scam artists. | Source
Lean against the Wind has a message for senior citizens.
Lean against the Wind has a message for senior citizens. | Source
Wheelchair basketball is a popular sport.
Wheelchair basketball is a popular sport. | Source
Management companies often are at the center of senior citizen scams.
Management companies often are at the center of senior citizen scams. | Source

It Began with a HUB...

When I joined the HUB writing community, I found myself rummaging through my warehouse for a two decade old manuscript. I calculated that there some nuggets in it that would make nice short stories. I wrote “Tiny Tim and the TV” and the next thing I knew I was being nominated as a best writer. Anita Sue was one of the first to read it and she commented that she was disappointed with the ending. She was a new Hubber too, but I immediately could see that she was a talented writer after looking over her Hubs. I had an uneasy feeling about the ending and it only took another writer to point it out. With a few strokes of the keyboard to touch up the story, I went from a downbeat ending to an upbeat ending. The editors at Hub agreed and gave it the best fiction award for that month.

I pulled a few more gems from the old manuscript, posted them at HUB, and then decided I could rewrite the manuscript. The original manuscript was closer to a diary than something readable. I did send it to a professional reading service in 1990 and the reader’s notes were still attached. I agreed that it was not written properly and set it aside and had forgotten about it.

Deciding to write a novel is a major decision.

I had written “Seeds from Heaven” and “The Gold of Mansa Musa” and felt I might incorporate the old manuscript into the series. I had dropped hints that the main character, Raymond Lancaster, had done a year of teaching, however I really had not planned to write an entire novel around the idea. But here it was! There was an incredible amount of story here and I could pull out the best ideas and throw most of it away. There was one glaring problem—no subplot. With my new skills at writing novels, I knew I needed a subplot. What would it be? Until I had a subplot, I could not begin.

Then, I saw it on the 6:30 news....

Two sisters had been trying to save their ninety-year-old mom from having her million dollar estate stolen from her by shysters. It was an outrages scam of the hghest order! Lawyers had guided her to a senior citizen management company and the money quickly disappeared in a morass of fees to the estate. The million bucks were gone inside of a few months and the court backed up the shysters.

I had settled my parent’s estate the year before and quickly found myself surrounded by lawyers who circled around like vultures. Yep, the very first provision of Florida State law was that “a client must be represented by a lawyer.” I had read several books on the subject and even had the forms in hand that were required to do the probate process. It was incredibly simple. Five minutes work and I could do it—nothing to it. I knew that the lawyers most often had the hired help, the paraprofessionals, handle this stuff. It was bread and butter work for lawyers. When I called to have it done, I never did talk to a lawyer. The paraprofessional handled the whole thing and I shopped around for the best price for the five minutes work—$12 hundred dollars. At the high end was $25 hundred dollars. Yep, it paid to shop around.

With this experience in hand, I sympathized with the two sisters standing beside their mom all crippled up in a wheel chair, on oxygen support, barely able to speak to the reporter. “They tell me my money is all gone,” she whispered. Yep, a life time of work, gone with the wind, and her daughters would never see a dime.

In that I like my readers to walk away with important knowledge, I studied this scam and discovered that it was popping up all over the country. It was a multi-billion dollar enterprise. I could write this as the subplot and my readers would end up wiser.

Yep, I was happy with the novel.

I had something for senior citizens along with the heartfelt teaching story. It all worked well with the “Seeds from Heaven” premise too. Yes, perhaps God had something to do with it. It will be up to readers to decide.


"Lean against the Wind" is the first five part installment of “Seeds from Heaven.”

Read more about “Lean against the Wind” an eBook now available worldwide.

Purchase Lean against the Wind at

Critcal Reviews of Fantasy books by Jenny (including Lean against the Wind & Watchdogg)

"Lean against the Wind" review by Linda Kolhagen

"Lean against the Wind" and "Up the Down Staircase"

"The Carrot and publishing your novel." RJ's experience with publishing a novel will make you laugh and weep.

Find out more about these scams in detail.

RJ talks about Senior citizen scams in his novel


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    • Reynold Jay profile imageAUTHOR

      Reynold Jay 

      9 years ago from Saginaw, Michigan

      Well--they do say "You can't take it with you!"

    • John MacNab profile image

      John MacNab 

      9 years ago from the banks of the St. Lawrence

      It is because of scams like this,RJ, that I have decided to shuffle off without leaving a penny.

    • Reynold Jay profile imageAUTHOR

      Reynold Jay 

      9 years ago from Saginaw, Michigan

      And they are not neccessarily poor either. Most often they go for the million dollar heist.

    • sligobay profile image


      9 years ago from east of the equator

      Good work in standing up for the poor seniors in our society.

    • Reynold Jay profile imageAUTHOR

      Reynold Jay 

      9 years ago from Saginaw, Michigan

      This is a truely awesome list. My mind is imagining all this and my head is reeling. Jeff Bridges is a stroke of genius! Christian Bale as Watchdogg,and it would be an acting challenge, but he would give the entire movie a flair with his persona! In that my mind is reeling trying to take this all in , I'm going to start a HUB based on your comment and ask what others think. We may be just dreaming here, but everyone agrees that this would make one heck of a movie. I'll have the HUB up and running by this weekend with photos of your list so everyone can get involved in this! Most incredible comment of all time! We need someone great to play the Admiral ( pirate leader) too. Thank you!

    • Cogerson profile image


      9 years ago from Virginia

      Here you go possible cast for your movie.

      1. Deshano ....Paul Giamatti....great actor....good in any role....

      2. Bumgardner....another Paul....Paul Guilfoyle....famous for his role on CSI....but has solid theater experience..

      3. Costanzo .....Robert of the best character actors around...can play any role

      4. Prottenger ......Dennis Haysbert...character actor...famous for 24 were he played the President

      5. Watchdogg......I love Hanks...but he is getting too old....and he is not very convincing as a action I say....Christian Bale....minus the Wales accent of course.

      6. Carol Turner....Marion Cotillard....Oscar winner, in plenty of box office smashes and of course super sexy

      7. Landenberger ...Jeff Bridges...he played the President in The Contender....he was very good in that movie

    • Reynold Jay profile imageAUTHOR

      Reynold Jay 

      9 years ago from Saginaw, Michigan

      Creedence: Thanks for stoping by. I have read a few of your HUBS this morning. We both love political thought. You might enjoy "Watchdogg" political thriller five stars just out and getting raves by the critics. Hey, you could read it and then do an interview, and HUBS about it. It's a wild wild ride! RJ

    • Reynold Jay profile imageAUTHOR

      Reynold Jay 

      9 years ago from Saginaw, Michigan

      Seeker, Wonderful comments. Idecide that fiction was to become my message to reach the world with important issues. I did do non fiction (Born to be Rich) and found it more fun with fiction and my unique look upon life. See "Tiny and the TV" and "Tiny asks a Question" and you will understand. I considered a serious article with Tiny asks a question and then knew I was a totally fiction person after writing it. RJ

    • Seeker7 profile image

      Helen Murphy Howell 

      9 years ago from Fife, Scotland

      Hi Reynold,

      I've also voted up this hub + awesome! Not only for your literary talent but for flying a flag against the human parasites in our midst. They always do target the most vulnerable - the elderly of course being in that unfortunate group.

      I do admire fiction writers. I'm strictly non-fiction - bascially because I'm crap at writing stories. So it makes me admire and become intrigued by your work even more. Many thanks for sharing this great hub.

    • Credence2 profile image


      9 years ago from Florida (Space Coast)

      Informative Hub, RJ, a topic of which we all need to be aware for ourselves and elder friends and family. Thanks for allowing me to join your team.

    • Reynold Jay profile imageAUTHOR

      Reynold Jay 

      9 years ago from Saginaw, Michigan

      Hi Cogerson! If you do any reading at all, I'd like you to to check out "Watchdogg: Somalia Retribution" and then write me to reccommend a leading actor ( from your list?) to play this action thriller. More than that, I'd want to know some of the suporting roles, particularly the romatic lead, Carol Turner.I'm thinking Tom Hanks for Watchdogg. RJ

    • Cogerson profile image


      9 years ago from Virginia

      Thanks for the information, I look forward to the next hub that talks about the scam even today's economy scams are popping up everywhere....voted up and useful

    • Reynold Jay profile imageAUTHOR

      Reynold Jay 

      9 years ago from Saginaw, Michigan

      Good for you Auntie D. Glad to hear that you may not have been gouged with fees. I have a HUB about this going up tomorrow and another one later this week. A sad tale about my brother and me fighting over the estate. RJ

    • Auntie D profile image

      Auntie D 

      9 years ago from California

      I'm glad to see you addressing this problem. So many don't realize they don't need a lawyer for wills, probate, etc. It really depends on the size of the estate. I worked with a paralegal when my father died and spend very little compared to lawyers fees.

    • Reynold Jay profile imageAUTHOR

      Reynold Jay 

      9 years ago from Saginaw, Michigan

      Hi Terri, I've looked over your series up to part seven..Looks great. You have done your planning well. Get these things settled while you are able. Collectibles work for me too as I have a internet collectibles business. Smart move for you!!!! RJ

    • Terri Meredith profile image

      Terri Meredith 

      9 years ago from Pennsylvania

      I've never been one to worry about money so long as I earned enough to have the basics. Been through some hard times as well as some really extremely good. I realized early on that any money I might squirrel away for my four children, would get eaten up by just the kinds of things you've written about. So instead, I've put my money into antiques and collectibles. I figure the kids can keep them or sell them for the money. It's already been decided that when the time comes that I'm looking at the near end, all my "stuff" gets moved out and into their homes. I refuse to work my whole life only to have the government and lawyers take it.

      Thumbs up!

    • Reynold Jay profile imageAUTHOR

      Reynold Jay 

      9 years ago from Saginaw, Michigan

      Wow! This Hub is getting a big response!

      Christopher...I know you are hiding the gold from Hitler's vault somewhere and ain't gonna give it up! Your secret is safe with me cause hardly anyone reads this stuff.

      Glowing Rocks...YES--Unfortunately, the world operates on power and greed.

      Dahoglund...Yes--regardless of the sums invloved, the inheritance does represent a lifetime of work for the senior. In my own instance with my Dad, it was a trailer and he was proud that it was entirely paid for and not subject to inheritance taxes. His memory lives on in my HUBS and novels.

      Anidae...I'm going to write a few more HUBS about this and it will give you real meat to grab on to with some of the details. Look for the next installment on Monday. Thanks to all of you for these kind comments. RJ

    • anidae profile image

      Anita Adams 

      9 years ago from Tennessee

      This is a great hub!! I gave this hub a vote up and beautiful.

      It is such a shame that so many scams to shake down the elderly and their families are allowed in our society. Even if someone is not weathly, they want to protect the assets they worked a lifetime to achieve.You have given me a lot to think about and I look forward to more of your writings.

    • dahoglund profile image

      Don A. Hoglund 

      9 years ago from Wisconsin Rapids

      Even for us people that don't have fortunes we still have to be careful not to lose what we do have.

    • glowingrocks profile image


      9 years ago from New York

      Money and the pursuit of wealth.Greed never leaves a good mark on anyone.

    • christopheranton profile image

      Christopher Antony Meade 

      9 years ago from Gillingham Kent. United Kingdom

      I've got nothing, and that probably makes me better off really. Nothing for people to fallout over.

    • Reynold Jay profile imageAUTHOR

      Reynold Jay 

      9 years ago from Saginaw, Michigan

      Hi Jed... Sounds like a plan! I'll have more on this with future HUBS so stay tuned. RJ

    • Jed Fisher profile image

      Jed Fisher 

      9 years ago from Oklahoma

      Well when I die don't tell anybody. By the time the lawyers figure it out, my progeny will have all my stuff where the lawyers can't touch it.


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