Physical Abuse vs. Fiscal Abuse

               

Most of the news about domestic violence focuses on physical abuse. But, not too many think of the hidden abuses that survivors and families face.

In some cases, fiscal – or financial – abuse can be just as debilitating for a domestic violence victim as physical abuse. The question, “why doesn’t she just leave” is often asked, and one of the answers to that question is finances.

·         Where will the survivor turn with no money?

·         If kids are involved, how will she provide for them if she does not have a job?

·         How can she apply for any mortgage or lease with damaged credit due to the abuser’s economic abuse?

These are questions that come up in 98 percent of abusive relationships. Economic abuse can take on different forms. It could be the abuser’s complete control over the finances, forcing the victim to ask for even a little money or as drastic as intentionally destroying the victim’s credit through credit charges or false claims.

In an article in Forbes Magazine earlier this year, a survivor describes her domestic violence relationship. While she was put on bedrest during her pregnancy, she quickly realized how much her husband was controlling the family finances. Spending more time at home, she started seeing credit card bills and eviction notices in the mail.

When she was able to go back to work, her husband went as far as calling her employer to find out exactly how much she was making. Things got progressively worse and escalated physically. In the end, she left him, but realized she had no economic knowledge. She applied for a job at a bank “on a whim” she says. Now, she is divorced, doing better financially and has a decent savings account.

Stories like this are not unlike those we hear from the survivors and families we help.

Just recently one survivor told Hope House supporters of a time when her husband became physically abusive after finding her secret stash of money she was slowly accumulating in a safe place so she could afford to leave with her children.

The stress of worrying about finances greatly restricts the victim from being able to escape. It destroys self-esteem because the survivor cannot provide for herself or children. And, it could even ruin the survivor’s financial future if her credit has been seriously damaged.

The economic impact of domestic violence is staggering. According to several studies, domestic violence costs the U.S., $8 billion annually in medical costs ($5.8 billion) and lost productivity ($2.5 billion).

The National Network to End Domestic Violence includes a list of examples of financial abuse on its website. Some include:

-          Not allowing the victim access to bank accounts

-          Withholding funds for the victim or children to obtain basic needs such as food and medicine

-          Stealing the victim’s identity, property or inheritance

-          Withholding money or giving “an allowance”

-          Filing false insurance claims

To view the full list, click here.

Tips to consider if you or someone you know is in a financially-abusive relationship:

-          Start acquiring all financial information for you and your family, including: birth certificates, bank statements, and other personal documents. Keep them with a friend or somewhere safe outside of the home

-          Get a copy of your credit report. You are able to get one credit report free of charge annually. Check with the three main credit entities (Equifax, Experian, Trans Union) for details

-          Find ways to earn a little cash on the side and have someone keep it safe for you

-          Work on your budget if you were to leave and plan accordingly

And lastly, if you have more questions, contact our hotline at 816-461-HOPE (4673).

If you would like to support survivors and families of domestic and financial abuse, check out the Purple Purse Challenge fundraising page at www.crowdrise.com/hopehouse3. 

It's No Laughing Matter: Part III

One of this year’s “funny” Halloween costumes was Ray and Janay Rice. Sadly, there are also images of children in Rice jerseys dragging toy dolls with painted black eyes. Janay Rice posted a response stating, “It’s sad that my suffering amuses others.”

Too often domestic violence becomes the butt of jokes to amuse others. Domestic violence happens every day. It happens here. And, it’s no laughing matter!

This month, Hope House is sharing advocate stories leading up to #GivingTuesday on December 2nd to show DV is real (click here to see Part I and Part II). This week’s story comes from Tanya:

"The client was upset that it had gotten to a point where her abuser physically hurt her. She had already taken so much verbal abuse and manipulation. But, one day, it escalated. She wanted to go out with some friends, but he wouldn’t have it. They got into an argument. He threw out the typical manipulative terms. This time, she stood up to him. But, then he shoved her. When she fell down, he proceeded to lean over her and threaten her even more, telling her she was lucky he didn’t hit her harder.”
Most domestic violence begins with verbal abuse and/or manipulation. Abuse is abuse. If it’s a verbal put-down, a shove, or smack - It’s abuse. Next week on #GivingTuesday, Hope House will spend $3,660 for 122 people to stay in our shelter. Please stand with Hope House on December 2 to show domestic violence is real and #ItsNoLaughingMatter. Donate and share this message with others.

Kander visits Hope House for DV Awareness Month

LEE’S SUMMIT, Missouri -- Missouri Secretary of State Jason Kander visited Hope House today to learn more about the shelter and services provided to clients as part of October’s Domestic Violence Awareness month.

Kander was specifically interested in the success of Missouri’s “Safe at Home” program that is administered through his office to provide victims of abuse residence identification alternatives on public records.

 “We are excited to welcome Secretary Kander to our office and show him the great work we are doing in eastern Jackson County,” said MaryAnne Metheny, Hope House chief executive officer. “Violence is 75 percent more prevalent when victims courageously decide to leave their abuser. That is why we choose to be a Safe at Home program agent.”

Metheny also provided a tour to Kander and law enforcement officials in attendance.

“We appreciate the staff’s help with the Safe at Home program,” said Kander. “Having that help from the frontline is crucial to programs like Safe at Home. So, it’s encouraging to go to places like Hope House where people share such a passion for their work.”

The Safe at Home program has protected more than 2,000 Missourians since it began. It is not to be confused with a witness protection program, but another tool available for victims to protect themselves from their abusers, Kander said.

“Hope House was one of the first agents for the Safe at Home program,” said Metheny. “One of our advocates was the 69th registered agent in the state. Now, she and 27 other advocates educate roughly 30 victims a month as well as local police officers and hospital staff on the benefits of the program.”

Domestic Violence Awareness month began in October 1987, which was the year the first national toll-free domestic violence hotline began. Purple is worn throughout the month to promote awareness.

Hope House is Missouri’s largest domestic violence shelter. Founded more than 30 years ago, the organization provides a 122-bed shelter; a 24-hour crisis hotline; outreach therapy groups and child care services; legal services to assist victims; and a speakers’ bureau to educate law enforcement, hospital staff and volunteers.

For more information about Hope House, please call 816-257-9363 or visit www.hopehouse.net. For the 24-hour Hotline, please call 816-461-HOPE (4673).

50 Obstacles to Leaving

All this week, the National Domestic Violence Hotline has been posting “50 Obstacles to Leaving” in bites of 10 a day. I thought it would be helpful to combine all 50 and repost them here as a reminder of what those living with domestic violence are dealing with and why you should never blame the victim.

1. Advocate: The victim doesn’t have an enthusiastic supporter on their side so may feel discouraged or hopeless.
2. Batterer: The batterer is wealthy, famous, powerful in the community, etc., and can afford to hire private counselor and pressure decision-makers.
3. Believes Threats: The victim believes the batterer’s threats to kill them and the children if they attempt to leave.
4. Children’s Best Interest: The victim believes it is in the children’s best interest to have both parents in the home, especially if the abuser doesn’t physically abuse the children.
5. Children’s Pressure: The children put pressure (independently or by the abuser’s influence) on the abused parent to stay with their partner.
6. Culture and Race: Because of differences in race or culture, the victim worries about being treated unequally by the justice system if they come forward, or believes stereotypes about acceptable actions in their own culture.
7. Denial: The victim is in denial about the danger, instead believing that if they could be better partners, the abuse would stop.
8. Disabled: Victims who are disabled or physically challenged face obstacles in gaining access to court and social services, and may be isolated from basic info about resources.
9. Elderly: Elderly victims may hold traditional beliefs about marriage and believe they must stay, or are dependent on the batterer for care even in the face of physical abuse.
10. Excuses: The victim believes the abuser’s excuses to justify the violence, blaming job stress or substance abuse for example.
11. Family Pressure: Family members exert pressure if they believe there’s no excuse for leaving a marriage or if they’re in denial about the abuse.
12. Fear of Retaliation: The batterer has shown willingness to carry out threats and the victim fears harm to themselves or the children if they leave.
13. Fear of Losing Child Custody: The batterer has used the threat of obtaining custody to exact agreements to their liking.
14. Financial Abuse: Financial abuse can take many different forms depending on the couple’s socio-economic status—ex. If victims have been forced to sign false tax returns or take part in other unlawful financial transactions.
15. Financial Despair: The victim realizes that they cannot provide for themselves or their children without the batterer’s assistance.
16. Gratitude: The victim feels gratitude toward the batterer because the batterer has helped support and raise their children from a previous relationship, or take care of them if they have health, medical or other problems.
17. Guilt: Batterers have convinced victims that the violence is happening because it’s their fault.
18. Homelessness: Homeless abuse victims face increased danger, as they must find ways of meeting basic survival needs of shelter, food, and clothing while attempting to elude their batterers.
19. Hope for the Violence to Cease: This hope is typically fueled by the batterer’s promises of change, pleas from the children, or family’s advice to save the relationship.
20. Isolation: The victim has been cut off from family, friends and colleagues and lacks a support system or people to stay with.
21. Keeping the Family Together: Victims believe it is in their children’s best interest to have their father or a male role model in the family.
22. Illiterate Victims: Illiterate victims may be forced to rely on the literate batterer for everyday survival.
23. Incarcerated or Newly Released Abuse Victims: Such victims often don’t have support systems to assist them with re-entry to the community. Parole officers may require that they return home if that appears to be a stable environment.
24. Law Enforcement Officer: If the perpetrator is a law enforcement officer, the victim may fear that other officers will refuse to assist or believe them if they come forward.
25. Lesbian and Gay Victims: Victims may feel silenced if disclosing their sexual orientation (to qualify for a protective order) could result in losing their job, family, and home.
26. Low Self-Esteem: Victims may believe they deserve no better than the abuse they receive.
27. Love: Since many batterers are initially charming, victims fall in love and may have difficulty altering their feelings with the first sign of a problem.
28. Mediation: Mediation can put the victim in the dangerous position of incurring the batterer’s wrath for disclosing the extent of the violence.
29. Medical Problems: The victim must stay with the batterer to obtain medical services, especially if they share insurance.
30. Mentally Ill Victims: Victims face negative societal stereotypes in addition to the batterer’s taunts that the victim is crazy and nobody will believe anything that they say.
31. Mentally or Developmentally Challenged Victims: These victims are particularly vulnerable to the batterer’s manipulation and are likely to be dependent on the batterer for basic survival.
32. Military: If the victim or the perpetrator is in the military, an effective intervention is largely dependent on the commander’s response. Many commanders believe that it is more important to salvage the soldier’s military career than to ensure the victim’s safety.
33. No Place to Go: Victims can’t find affordable housing or there is no shelter space.
34. No Job Skills: Victims without job skills usually have no choice but to work for employers paying minimum wage, with few, if any, medical and other benefits.
35. No Knowledge of Options: Victims without knowledge of the options and resources logically assume that none exist.
36. Past Criminal Record: Victims with a past criminal record are often still on probation or parole, making them vulnerable to the batterer’s threats to comply with all of their demands or be sent back to prison.
37. Previously Abused Victims: Sometimes previously abused victims believe the batterer’s accusation, “See, this is what you drive your partners to do to you!”
38. Prior Negative Court Experiences: Victims don’t believe that they will be given the respect and safety considerations that they need in court.
39. Promises of Change: The batterer’s promises of change may be easy to believe because they sound sincere. Victims are socialized to be forgiving.
40. Religious Beliefs: Beliefs may lead victims to think they have to tolerate the abuse to show their adherence to the faith.
41. Rural Victims: Victims may be isolated and simply unable to access services due to lack of transportation, or the needed programs are distant and unable to provide outreach.
42. Safer to Stay: Assessing that it is safer to stay may be accurate when the victim can keep an eye on the batterer, sensing when the batterer is about to become violent and, to the extent possible, taking action to protect themselves and their children.
43. Students: Students in high school or college may fear that untrained administrators will deny their requests for help. If the perpetrator is also a student, the victim often does not want them to be expelled from school.
44. Shame and Embarrassment: The victim doesn’t want to disclose the abuse or may deny that any problem exists.
45. Stockholm Syndrome: The victim may experience this syndrome and bond with the abuser.
46. Substance Abuse or Alcohol: Either the victim or offender’s substance abuse may inhibit seeking help, often for fear that the children will be removed.
47. Teens: Teens are at greater risk for abuse in their relationships than any other age group. Peer pressure, immaturity, no knowledge of resources, and low self-esteem all factor into the decision to stay.
48. Transportation: A lack of transportation condemns victims to a choice between welfare and returning to their abusers.
49. Unaware that Abuse is a Criminal Offense: This can occur often if family, friends and community professionals minimize the crimes.
50. Undocumented Victims: Victims facing complex immigration problems if they leave are often forced to stay with the batterers who may control their INS status.

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If you find yourself in a violent relationship, please call the Hope House hotline at 816.461.HOPE (4673) for help (a local call for the Kansas City metro area). If feel the need to do more research before making that call, we recommend the following websites for more in-depth information about recognizing domestic violence, creating a safety plan, protecting your identity and getting help: 
Hope House
Missouri Coalition AgainstDomestic & Sexual Violence
National Network to End Domestic Violence
NationalCoalition Against Domestic Violence

These 50 Obstacles were adapted from Sarah M. Buel’s “FiftyObstacles to Leaving, a.k.a., Why Abuse VictimsStay”—50 different reasons that she has encountered throughout her 22 years of work in the domestic violence field and were taken from a week's worth of posts from The NationalDomestic Violence Hotline.