Vermonter of the Month: Claire Hancock

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This is a monthly series in which the Attorney General will feature a Vermonter doing exemplary work in their community. Have someone you think should be featured? Email AGO.CAP@vermont.gov.

Claire Hancock is a licensed clinical social worker at Copley Hospital. Through 31 years of service, Claire has been a literal and tireless lifeline to people and families in a very challenged system, according to those who know her work.

We first met Claire during the Elder Protection Initiative listening tour—through which we sought to learn about the challenges facing older Vermonters. What we learned, in addition to these challenges, was the profound significance of Claire’s role as an advocate for the most vulnerable Vermonters. Claire, who has been quietly hailed in her local and professional community for decades of service helping patients and their families arrange for the care and services they need upon discharge from the hospital, prevents people from falling through the cracks.

Claire recently retired from full time-work at Copley Hospital, but continues to work a few hours each week as a clinical supervisor. She also recently began working part-time for Lamoille County Mental Health as the Elder Services Clinician, providing counseling and case management to older adults.

What is the greatest challenge you’ve experienced in working with vulnerable patients?

The greatest challenges of working with vulnerable adults are the inadequate resources available to them. While there are many agencies and programs that provide some assistance, it is a fragmented confusing system with complex eligibility criteria, so it is overwhelming and confusing to any person, not just vulnerable adults. Services are improving and expanding slowly but there are still big gaps, like inadequate transportation in the rural areas, lack of affordable housing, inadequate financing for hearing aids and dental issues, and not enough affordable quality care for those with dementia. On a personal level, I have been visually impaired since age 18 and do not drive so I experience the lack of transportation first hand.

What inspires your work, or is rewarding about this work?

What is rewarding for me in this work, is having the privilege of getting to know the unique, interesting lives and personalities of elders; hearing their stories of life as they share their most personal, heartbreaking, and sometimes wonderful experiences. Their wisdom and sweet spirit are so moving and inspiring.

What have you learned from your work?

I have learned that this work requires a great deal of empathy and patience as well as being a “detective” to get down to the facts as well as the emotions of a situation.  Whatever difficulties, conflicts and negative situations people are in, there is always fear and grief underneath. Our job is to access this fear and grief and help to relieve at least some of it. I believe that most people are well intentioned and want to do their best, but bad things do happen to good people.

I have learned that as a “helper,” I only know a small slice of a person’s life experience.  We must not judge. We must not make assumptions. Nothing is black and white; it is all gray, and the work is never done.

 What advice do you have for others looking to impact their community?

I believe that each town needs to develop (if they haven’t already) an organized, reliable volunteer program to help fill some of gaps in services, like transportation, food shopping, laundry and other household tasks and companionship. I know that there are many community members who would love to volunteer to help others with various tasks and care of elderly who are sick or have dementia, as this enriches the life of both the volunteer and the elder person.

Content Editor: Crystal Baldwin

Announcing: The Elder Protection Initiative

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Last Friday, on World Elder Abuse Awareness Day, our office made an important announcement: we launched a new unit focused on protecting older Vermonters. It’s called the Elder Protection Initiative, or EPI.

Supporting and protecting Vermont's aging population


The EPI is team of attorneys, investigators and staff from across the VT Attorney General’s Office (from its Criminal, Public Protection and Human Services Divisions) who will act to address issues facing older Vermonters through collaboration with government and community partners, public education, legislation, and enforcement. To read more about EPI, visit its website here: http://ago.vermont.gov/epi


The Listening Tour

The EPI has roots in a listening tour the Attorney General’s Office just completed. Throughout April and May, to better understand the unique challenges that older Vermonters face, a team from our Office visited each Vermont county, listening to older Vermonters and organizations that serve them. We shared meals in tight-knit communities, went on Meals on Wheels delivery routes, and shared in the varieties of joys and anguish that our elders are experiencing. We listened. We learned. And after meeting with dozens of older Vermonters and over 230 representatives of 65 organizations, we want to help.

Through our listening tour, we heard older Vermonters and organizations that serve them repeat similar concerns, including:

  • Isolation and lack of transportation
  • Lack of affordable housing
  • Lack of access to healthcare
  • Food insecurity
  • Finding affordable and suitable care for loved ones with Dementia
  • Difficulty accessing available information and resources
  • Our systems are struggling to uphold older Vermonter’s safety, security, and dignity

To help older Vermonters and those who serve them, our office established the Elder Protection Initiative described above. As the EPI embarks on its work, it will continue to listen and stay informed about issues facing older Vermonters.

First Collaborations

Already, the EPI has worked with Vermont 2-1-1 to address one of the most common concerns heard on the listening tour—difficulty accessing information and resources on programs and services that are available to older Vermonters (and their caretakers) where they live, from transportation to food delivery services (like Meals on Wheels). Vermont 2-1-1 maintains a 24/7 hotline and a website that provides just this information. To access this free information, dial 2-1-1 or visit vermont211.org.

EPI-Learn what we're doing

The Executive Director of 2-1-1, MaryEllen Mendl explains, “The 2-1-1 statewide system has been built over the course of the last 13 years for a public-private partnership between United Ways of Vermont and state government.  Allowing for a quality-driven platform for the delivery of professional information and referral, and a database containing thousands of community resources.” 2-1-1 is also committed to enhancing its capacity to assist callers with concerns specific to elder abuse and exploitation.

Thank you, Vermont 2-1-1, for this outstanding commitment to Vermont’s elders!  We look forward to seeing this collaboration flourish and many more develop as we work to support the needs of Vermont’s aging population.  The initiative has just started its efforts in support of Vermonters.  There are more developments and solutions that will come out of this group’s work. To stay connected, check in regularly on the Elder Protection Initiative page on the Vermont Attorney General’s Office website.

Contributing Writer: Crystal Baldwin

Vermonter of the Month: The Mercy Connections “Justice League”

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This is a monthly series in which the Attorney General features Vermonters doing exemplary work in their community. Have someone you think should be featured? Email AGO.CAP@vermont.gov.

This month we are honoring a team of people as our “Vermonters of the Month.” The Mercy Connections “Justice League” team works on the Justice and Mentoring program. The team is comprised of Joanne nelson, Director of Justice & Mentoring, Kelly Moran, Justice and Mentoring Coordinator for incarcerated or formerly incarcerated women, Mary Beth Barritt, Justice Liaison and Heather Gilbert, Program Facilitator.

Mercy Connections is an educational values-driven non-profit organization living the legacy of the Sisters of Mercy with an enduring concern for women. By compassionately nurturing self-sufficiency through education, mentoring, entrepreneurship and community, people are empowered to make significant life changes

Mercy Connections has 3 program areas that serve 300 participants: Education & Transition Programs (for adults who have faced adversity in meeting their personal, professional, and academic goals), Justice & Mentoring Programs (for people involved in the criminal justice system), and the Women’s Small Business Program (for aspiring female entrepreneurs).

Joanne, Kelly, Mary Beth and Heather have all dedicated themselves to lifting those around them who need help. The “Justice League” is doing essential work for Vermont women and we are honored to have them as our May Vermonters of the Month.

How has the team’s work impacted the community?

The Justice & Mentoring Program team alternates presence in the Treatment Court Docket to be able to receive referrals to the programs at Mercy Connections. In that action, we invite the women to a meeting with the director to become acquainted and to discover whether there is a desire to enroll in a class or program. Sometimes the referred woman is also interested in becoming a mentee in the Vermont Women’s Mentoring Program. The real impact on the woman is potentially multi-faceted. It is sometimes confidence-building to just get to Mercy Connections and enter a place that is not familiar. It is also clear that women feel and learn about a community here that is non-judgmental, educative, safe and brave and in that discovery, a potential participant may grow, relax and learn. There is something connective when the participant understands that Mercy Connections can become a supportive place, connected to the clinical and legal teams in the court docket, but that Mercy Connections is different. It is not mandatory, it is chosen freely…that ability to make a choice freely, well, that is often something that leaves a referred person empowered.

Executive Director, Dolly Fleming, has said that Mercy Connections “…weaves the social fabric of community and one’s [life]” and I believe that means that the (potential) impact on community is that Mercy Connections kind of weaves some of the very difficult, mandated parts of a recovering person’s life in with some of the softer, kinder, happier threads that every human being possesses. We think that holistic approach reflects something very positive on each person and on the community as a whole.

What is the biggest challenge?

We receive referrals to Mercy Connections which are not realized. They are not chosen by prospective participants.

On a challenging day, it may be hard to look at each individual accomplishment and realize joy against a very dismal system, (criminal justice, economy, racial and gender discrimination…), one that just doesn’t work for human beings.

In general, the challenges lie within the participant population and while we strategize and work hard, sometimes the biggest challenge is accepting that we can’t do more than we do.

What is rewarding about this work?

Our programs offer education to people. Education opens up doors. Open doors and access to more people means a more diverse, just world/community.

Knowing that we are working to offer possibilities for a more successful reentry process through the Vermont Women’s Mentoring Program and hence, a lower recidivism rate.

Working with participants who are rejected in many ways by society and learning how wonderful they are. How resilient they are. And how much they have to offer. Seeing a mentee’s face when she realizes we treat her and her mentor in the same respectful manner. That we don’t judge her based on the worst mistakes she has made. Being able to support mentors, some of whom have made serious mistakes, in a way that allows them to grow and give back.

What advice do you have for others looking to impact their community?

Become a volunteer for a worthy cause- one which speaks to the values you hold most dear. The action will allow you to realize greater purpose and meaning in your life.

Travel Tips

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If it’s time for you to escape on a getaway, keep in mind that scammers love to target those with travel plans. Vacations should be relaxing. Don’t let unexpected scams and travel pitfalls stress you out! There are countless ways one can be scammed while planning travel. With all the R & R you have scheduled, don’t get bogged down worrying about scams. This mindset is what scammers rely on to bilk you of your money.

Before travel:

  • Ask details about what is included in prices and look for hidden fees
  • If booking online, verify that you are using a credible website and double-check that you are on the correct site, rather than a copycat
  • Always do your own research before accepting the word of the person engaged in selling

While on your trip:

  • If you are notified about unauthorized credit card charges, contact your credit card issuer directly by calling the number on the back of your card. You might not be checking your statement history, but your credit card company generally understands your purchasing trends and may have fraud protection in place to alert you if they suspect an issue.
  • If you are renting a vehicle, know the ins and outs of your own auto insurance coverage. The rental agency will typically offer to sell you their insurance, so be prepared for this when you step up to the reservation desk. Protect yourself further from rental accident damage fraud by photographing the vehicle with on-site identifiers in the background (this is handy if you don’t have a date feature on your camera) both at the time of the initial rental and upon return. That way, if there is a damage dispute, you have photo proof of how the vehicle appeared while in your possession.
  • Free Wi-Fi and Wi-Fi that is not password protected could be problematic. Don’t sign into your accounts while using free or unsecure Wi-Fi. Why? You don’t know who is watching your online activity. Keying your password into an account may seem harmless, but scammers tracing your steps can log into your account later and access everything. Sure, it’s nice to have free Wi-Fi, but use it to check the news or browse tourist attractions, not to do your online banking.
  • While in a foreign country, you may be asked if you would like the total to be displayed in US dollars. If you say yes, the exchange rate may not be based on the actual currency rate, but based on the rate in the retailer’s system. The retailer receives any amount you pay over the actual exchange rate and you could be charged a conversion fee as well. Credit cards convert the foreign exchange rate based on the actual currency exchange rate, which is more accurate and doesn’t favor either party. Credit cards may also charge a conversion fee, so check the card’s terms before you travel.

While traveling, you don’t have to stress every minute about the possibilities of what might happen, but it will help to keep the above scenarios in mind so that you don’t find yourself in a stressful situation.

Contributing Writer & Photo Credit: Crystal Baldwin

Small Business Loans

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There are an increasing number of commercial loans available to Vermont businesses. A number of commercial lenders offer “quick loans” or “EZ cash” via the internet (or use spam email, pop-up ads, or text messages). In some instances, the company may be soliciting commercial loans on behalf of a lender.  Here in Vermont, commercial lenders and loan solicitors are required to be licensed, or otherwise exempt from licensure AND must clearly state rates, terms, and conditions. Below is information on how to protect yourself from illegal loans.

Lender licensing

Unless it is a federally or state chartered entity, such as a bank or credit union, or a federal or state agency, a lender operating in Vermont should be licensed with the Department of Financial Regulation.* Additionally, companies soliciting loans on behalf of a lender should be licensed with the Department. You can check the licensure status of a lender or a loan solicitor online at NMLS Consumer Access.  

If the lender or loan solicitor is unlicensed, you may file a complaint with the Department of Financial Regulation. Call 802-828-3307, 888-568-4547, or email DFR.BnkConsumer@vermont.gov (for security reasons, please specify “Unlicensed Lender complaints” in the subject line).

*For additional exemptions from the lender licensing statute, see 8 V.S.A. §2201 (d), (h).

Interest rates

Under Vermont law, commercial loans are not subject to Vermont’s interest rate caps, and a commercial loan may charge any rate of interest that is negotiated between the parties. See 9 V.S.A. § 46. 

However, the rate of charge must be clearly and fully disclosed.  See 8 V.S.A. § 2225. 

A commercial lender also cannot mislead or deceive you about the rates, terms or conditions of the loan.  Misleading or deceptive advertising around a loan is illegal.  See 8 V.S.A. § 2226.

How to assure you’re getting a legal commercial loan

  • Consider using local banks and credit unions first, and check out the U.S. Small Business Administration’s Lender Match website.
  • Make sure the lender is:
    – licensed,
    – a chartered bank or credit union,
    – a state or federal agency,
    – or otherwise exempt from licensing under 8 V.S.A. § 2201 (d), (h).
  • Make sure the interest rate, terms, and conditions are clearly disclosed.
  • Avoid potential predatory practices. Beware of:
    – “Fast,” “Pre-approved,” “Easy” Loans
    – “Affordable Payments”
    – Unclear pricing and terms
    – Additional fees incorporated into the payment structure
    – Terms less than 90 days
    – Lenders that want you to wire money prior to receiving your loan
    – Lenders that guarantee loan approval but charge a fee in advance
    – Consulting fees
    – If you’ve been harmed by an unlicensed commercial lender, submit a complaint to CAP or to the Department of Financial Regulation at 888 568-4547 or DFR.BnkConsumer@vermont.gov.
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