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By Rick Navarrete
Attorney

When most people think of domestic violence, they picture physical harm or verbal threats. However, abuse isn’t always visible—it can manifest in financial control and manipulation. Economic abuse and coerced debt are forms of domestic violence that can leave survivors struggling with financial instability and trapped in unhealthy relationships. Recognizing the signs of economic abuse and seeking legal help are vital steps toward reclaiming independence and safety.

At Navarrete & Schwartz, P.C., we understand the devastating impact economic abuse can have on individuals and families. Our attorneys are here to help you navigate these challenges and pursue the legal remedies you need to regain control of your life.

What Is Economic Abuse?

Economic abuse occurs when one partner controls another’s access to financial resources, creating dependency and undermining the ability to support oneself. This control can take many forms, including:

  • Preventing Employment: Discouraging or sabotaging efforts to find or maintain a job.
  • Restricting Access to Money: Denying access to joint bank accounts, credit cards, or other financial resources.
  • Controlling Spending: Micromanaging every aspect of financial decision-making to limit autonomy.
  • Racking Up Debt: Taking out loans or credit in the victim’s name without consent, also known as coerced debt.

Coerced debt, in particular, can have long-lasting consequences. Victims often find themselves saddled with financial obligations they didn’t agree to, damaging their credit and making it even harder to leave the abusive relationship.

Legal Implications of Coerced Debt in Texas

Coerced debt is a tactic abusers use to maintain control, often leaving survivors to shoulder the financial burden even after leaving the relationship. In Texas, courts recognize the role economic abuse plays in domestic violence cases. A domestic violence attorney can help victims:

  • Challenge Unlawful Debt: If your abuser opened accounts or incurred debt in your name without your consent, legal action may be taken to challenge these obligations.
  • Seek Restitution: Courts can order an abuser to reimburse victims for financial losses caused by their actions.
  • Protect Future Finances: Victims can safeguard their assets and income during divorce or custody proceedings through protective orders and financial restraining orders.

Addressing coerced debt isn’t just about financial relief—it’s about taking a critical step toward freedom and independence.

How a Family Law Attorney Can Help

Navigating the legal system while dealing with the emotional toll of abuse can feel overwhelming. A domestic violence attorney provides guidance and support throughout this challenging process. Here’s how we can assist:

  • File for Protective Orders: These orders can prohibit an abuser from accessing shared accounts or continuing financial abuse.
  • Navigate Divorce Proceedings: Economic abuse is often a factor in divorce cases. An attorney can help ensure your financial interests are represented, from property division to spousal support.
  • Advocate in Custody Cases: If financial abuse impacts your ability to provide for your children, it’s essential to present this evidence in custody hearings.

Our team is committed to listening to your story and crafting a legal strategy that prioritizes your safety and well-being.

Steps to Take If You’re Experiencing Economic Abuse

Taking the first step to address economic abuse can be daunting, but there are steps you can take to protect yourself and your future:

  • Gather Documentation: Collect evidence of financial abuse, including unauthorized accounts, transactions, or communications.
  • Open a Separate Account: Establish a bank account in your name to safeguard income and savings.
  • Consult an Attorney: Seek legal advice to understand your rights and options for protecting your finances.
  • Contact Local Resources: Reach out to domestic violence shelters or organizations for additional support and assistance.

Remember, you don’t have to face this alone. Legal professionals and advocates are here to help you regain control and build a secure future.

Why Choose Navarrete & Schwartz, P.C.?

Economic abuse and coerced debt require a compassionate and knowledgeable legal approach. At Navarrete & Schwartz, P.C., we are dedicated to helping victims of domestic violence take back their power. From filing protective orders to advocating for financial fairness, our team is ready to stand by your side every step of the way.

If you or someone you know is experiencing economic abuse in Midland, Texas, don’t wait to seek help. Contact Navarrete & Schwartz, P.C., today to schedule a confidential consultation. Together, we can work toward a resolution that prioritizes your safety and financial independence.

About the Author
Rick Navarrete, a graduate of Angelo State University and Texas Tech University School of Law, has been serving the Permian Basin for over 24 years, with his practice extending across Texas. Specializing in criminal defense and family law, Rick has tried hundreds of cases before juries and judges, including high-profile matters. His extensive experience has honed a deep understanding of the law, enabling him to effectively prosecute, defend, and protect his clients’ interests. Rick has built a firm culture that prioritizes exceptional client service and personalized attention. Known for his zealous courtroom advocacy, he is equally dedicated to educating his clients throughout the litigation process. This commitment has earned him a reputation as one of the area’s most sought-after trial attorneys. Rick is an active member of the Texas Criminal Defense Lawyers Association, the Texas Family Law Section, and the Administration of Rules of Evidence Committee for the State Bar of Texas. He has also served as President of the Midland County Young Lawyers Association and on the Bar Leadership Committee of the State Bar of Texas. Among his many accolades, Rick has been recognized as a Texas Super Lawyer and included in the Best Lawyers in America.