What One Widow's Ordeal Teaches Us About Marriage and Money

A man charmed a 72-year-old widow into marriage, and then her accounts were seized to pay off his debts, highlighting the importance of background checks on potential spouses as well as prenuptial agreements.

By H. Dennis Beaver, Esq.

published 23 September 2025

in Features

An older woman covers her mouth in shock as she looks at her laptop on her sofa.

(Image credit: Getty Images)

"My mother was a 72-year-old widow when she met 'William' at church and was soon swept off her feet. He claimed to have lost his wife some years earlier.

"She described him as her Prince Charming — he took her to nice restaurants, social events, trips out of town, things that spoke of having money. They married after knowing each other just 10 months. During their courtship, Mom commented that William never had cash, but put everything on credit cards.

"I told her to do a background search on William — were there skeletons in his past? Was he truly well-off financially, or was it all fake? She refused, saying, 'You have to go into marriage with 100% trust, or it will not work.' From what I could see, they really did appear to love each other.

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"Over my objections, she added him to her bank and investment accounts as a co-owner. Within three months, over $200,000 was gone, taken by the IRS and Sheriff's Office to satisfy outstanding judgments against him, including all the dinners, trips, everything they did together. When the money was gone, he left town.

"All of this sent her into a deep depression. Can their marriage be annulled based upon his failure to reveal that he is a deadbeat? Thanks, 'Randy.'"

The cost of loneliness

I ran this situation by Scott Levin, in his 20th year of practicing family law in San Diego with a focus on mediation. Earlier this year, he was so helpful for an article on the consequences of living together without a cohabitation agreement.

His take: You should have a professional background check done.

"Dennis, loneliness is leading more and more older people to find themselves in similar situations as your reader is describing. Trust is important, but as President Reagan said, 'Trust but verify.'

"That means, if you've got something to lose, have a background search done by a professional — such as a private investigator, instead of the 'pay $25 and discover anything about anyone' option that we see advertised all over the internet. They are often worthless."

Not so easy to obtain an annulment

Also known as a nullity, an annulment declares there never was a marriage, and there are all sorts of myths associated with this colorful and fascinating area of law, going back centuries in Western history.

One of the most common is that it is easy to obtain if based on financial misrepresentation or concealment.

"However," Levin points out, "these are generally considered weak grounds and do not typically create the basis for an annulment. So, that's why, along with a petition for annulment, it is recommended to have a fallback request for divorce. That way, time is not lost if the court rejects the nullity claim."

Was it essential to the marital relationship?

Levin adds, "To be successful with a claim of fraud, the deceived party has to establish the lie or omission was about a matter courts describe as 'essential to the marital relationship.'"

He lists several examples:

Failing to reveal a secret child or a previous marriage
Having a physical and incurable incapacity to engage in sexual relations at the time of marriage
Hiding a significant criminal record
Refusing to engage in sexual relations after the marriage

"Interestingly, while courts seldom view a spouse's pre-marriage credit card debt to be 'essential to the marital relationship,'" Levin says, "hiding compulsive gambling and resulting debt, drug addiction and related issues could, potentially, warrant an annulment."

What if financial security was a reason for the marriage?

"While misrepresenting one's financial status is generally not viewed as 'essential to the marital relationship,'" Levin notes, "with our older population, hiding poverty while creating the impression of being financially secure could be adequate. The rationale is that few people would want to go into a marriage with an impoverished leech."

Deception that does qualify for an annulment

Aside from financial issues, there are still other types of misrepresentations/omissions that could warrant a court to nullify a marriage. Levin listed several:

Marrying to obtain a green card or solely to remain in the United States
Committing bigamy, where one spouse is already legally married to another person.
Marrying a person who is under the legal age to marry without parental or court consent
Tricking a person into marriage through force or fraud
Lacking the mental capacity to consent due to illness, intoxication or other impairment
Marrying immediate family members, also known as incest (however, the legality of marriage between first cousins varies widely across the country)

An ounce of prevention

"Dennis," Levin went on, "as kids, we all heard the old saying, 'An ounce of prevention is worth a pound of cure.' Applying it to people who have any degree of affluence considering marriage to someone they do not know extremely well, a prenup should be thought of as obligatory. It requires disclosure of assets and debts — potential red flags."

Levin, known as the Chief Peacekeeper™, often helps couples create fair agreements that protect both sides while avoiding painful disputes later. "A prenup is not only for the wealthy — it's a vital planning tool for anyone who wants transparency and peace of mind going into marriage."

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As for people like Randy, who reached out about his mother's marriage to the deadbeat William, Levin says, "Families need to be aware of who Mom and Dad are seeing, and if the relationship appears to be moving toward marriage, hire a private investigator for a due diligence background search.

"If you are told, 'No, I trust him/her,' don't argue — just do it anyway. This is the time when loving children become parents of their parents."

To read more about how to protect older people from financial abuse and scams, check out the Kiplinger article Seven Ways to Protect Older Adults from Financial Abuse by financial adviser Thomas C. West.

Dennis Beaver practices law in Bakersfield, Calif., and welcomes comments and questions from readers, which may be faxed to (661) 323-7993, or e-mailed to Lagombeaver1@gmail.com. And be sure to visit dennisbeaver.com.

Disclaimer

This article was written by and presents the views of our contributing adviser, not the Kiplinger editorial staff. You can check adviser records with the SEC or with FINRA.

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After attending Loyola University School of Law, H. Dennis Beaver joined California's Kern County District Attorney's Office, where he established a Consumer Fraud section. He is in the general practice of law and writes a syndicated newspaper column, You and the Law. Through his column, he offers readers in need of down-to-earth advice his help free of charge. "I know it sounds corny, but I just love to be able to use my education and experience to help, simply to help. When a reader contacts me, it is a gift."