The SFST Bulletin is a monthly electronic publication written for financial professionals. Our goal is to increase awareness of legal issues faced by older adults in our community related to financial exploitation by providing these informative materials to financial professionals. Each month the SFST Bulletin will focus on new and timely topics that affect consumer…

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The Center for Elder Law & Justice has partnered with Lake Shore Savings Bank to utilize the Senior Financial Safety Tool (SFST). The SFST is a web-based application that screens older adults for common warning signs of financial exploitation. Our goal is to develop a detection and referral system so that we can work collaboratively…

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Service of process is an essential part of our justice system.  If one is the subject of a complaint or petition, in order for them to confront that allegation in court, service of process is required as an essential part of due process.  While service of process is required for all kinds of litigation, it…

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Kevin Quinn, Staff Attorney Housing Unit Tenants often have difficulty recovering all or even a portion of the security deposit that they paid to their landlord at the beginning of their tenancy.  The following are some useful tips we recommend using to insure that your transition out of your apartment is a smooth one. The…

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The 2016 Federal Budget Includes funding to help protect Americans from identity theft. A new law is on the way which does not permit a Social Security Number to be printed on a Medicare card.  (http://www.nytimes.com/2015/04/21/us/new-law-to-strip-social-security-numbers-from-medicare-cards.html?_r=1). Currently, most Medicare cards have a person’s Social Security Number (“SSN”) printed on the front.  We are all told to…

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   It’s that time of year again – tax season! Maybe you’ve filed and received your refund already. Maybe you are waiting until April 15 because you owe a check to Uncle Sam. Or maybe you know you’re getting a refund, but still need to open all those tax documents. For those anticipating a refund,…

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We have received reports from several seniors in the Western New York area who have received calls from an individual fraudulently claiming to be an Internal Revenue Service (IRS) representative. The caller will typically say that money is owed for a tax obligation and/or that the IRS is filing a lawsuit against the person. They…

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Anyone who gets a letter from a debt collector should call an attorney for assistance.  Certain income is protected from creditors, and federal and state laws protect debtors from deceptive or abusive debt collection practices.

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