By Mike Toth – Elite Investigations, Billings, Montana
(Private Investigator | 20+ Years Law Enforcement Experience)
The Hidden Side of Family Greed
At Elite Investigations, we’ve seen some of the most heartbreaking cases imaginable — not scams by strangers, but financial betrayal from within the family.
A parent passes away, and the surviving children discover that a “trusted” relative had already taken control of their finances. Bank accounts are empty, property titles quietly changed, life savings gone.
What’s even worse is the emotional fallout.
When death and money collide, families can be torn apart forever.
Unfortunately, we’re seeing this happen more often across Montana, especially in the Billings area, where many families are helping aging parents manage their assets but don’t have clear legal protections in place.
How It Happens
Elder financial exploitation often begins innocently.
A son or daughter starts helping Mom or Dad pay bills. They get added to accounts or given Power of Attorney “just in case.”
But without oversight, that power can quickly be abused.
Before long, withdrawals are made, property transferred, and “loans” never repaid.
By the time other family members realize what’s happened — it’s too late.
Warning Signs to Watch For
If you have an elderly parent or relative, pay attention to these red flags:
- Sudden changes in who handles their finances or mail
- Unexplained withdrawals or missing assets
- New “friends” or family members isolating them
- Property deeds or vehicle titles changed unexpectedly
- Hesitation or fear when discussing money
If you spot any of these signs, take action immediately.
Document what you see, get copies of bank statements, and reach out for professional help.
Why Legal Planning Matters
One of the biggest lessons I’ve learned as a private investigator is this:
prevention is far easier than investigation.
That’s why we strongly encourage families to work with a qualified estate planning attorney before problems arise.
Here in Billings, we partner with Thompson Painter Law — one of Montana’s top estate planning firms — to help families create strong legal protections.
They can set up:
- Durable Powers of Attorney with oversight clauses
- Clear, written estate plans
- Safeguards for property, accounts, and trusts
Having those documents in place can stop family disputes before they start — and ensure your loved one’s wishes are honored.
What to Do If You Suspect Financial Abuse
If you believe a family member has exploited an elderly relative:
- Document everything. Keep emails, bank records, and copies of checks or deeds.
- Contact a private investigator. We can trace transactions, gather evidence, and interview witnesses.
- Consult an attorney immediately. Legal action or asset recovery often depends on timing.
- Don’t confront the suspect alone. Let professionals handle it to preserve your case.
Elite Investigations Can Help
At Elite Investigations, we specialize in uncovering financial exploitation, asset theft, and family trust violations.
With over 20 years of law enforcement experience and 15 years as a licensed private investigator, I’ve seen firsthand how these cases unfold — and how the right documentation can make or break a family’s legal fight.
If you suspect fraud or need help verifying your loved one’s estate, contact us confidentially.
406-698-8911
eliteprivateinvestigatorbill
Serving Billings and all of Montana
Final Thoughts
When it comes to protecting your family’s legacy, trust alone isn’t protection.
Put everything in writing, include safeguards, and involve professionals early.
Because once the money’s gone — and the trust is broken — it’s a lot harder to repair than to prevent.
Elite Investigations
Discretion. Experience. Results.
Proud partner of Thompson Painter Law
