Tampa Credit Card Fraud Defense Lawyer
Our Tampa Credit Card Fraud Defense Lawyer Defends Your Freedom
For many people charged with credit card fraud, the charges come as a surprise. A simple mistake could end up costing you thousands of dollars, land you in jail, and even affect your career prospects. Being convicted of credit card fraud may make it harder to get loans or any finance-related job. You deserve the best defense to clear your name and mitigate any penalties. Our Tampa credit card fraud defense lawyer protects you during the criminal process and seeks the best possible outcome in your case.
The attorneys at Stechschulte Nell work hard to defend people accused of credit card fraud. We investigate the situation to find possible defenses and evidence in your favor. We use our extensive knowledge of Florida and federal laws to help achieve the best possible outcome in your case. Contact us today for a consultation.
Legal Defense For Credit Card Fraud
Credit card fraud is a serious offense. You could face both state and federal charges. Florida defines credit card fraud as a form of identity theft involving using a credit or debit card or similar credit information for financial gain with the intention of avoiding payment. Credit card fraud can take many forms, and it’s not unusual for many of our clients to make a genuine mistake and end up in deep legal trouble. However, even if your charges weren’t because of a mistake, we still want to protect your rights and defend you in court. Our firm believes that everyone is entitled to the best possible defense if they have been charged with a crime.
Common types of charges we can defend you against include:
- Account takeover: One person obtains the personal information of another, then calls their credit card company to report a lost or stolen card and request a new one. The card is then shipped to a fake address and used for illegal charges.
- Fraudulent applications: Unlawfully obtained personal information, including names, addresses, places of employment, and social security numbers, to apply for new credit cards.
- Physical credit card theft: Using a stolen credit card for purchases before the owner reports it missing.
- Skimming: Lifting data from the credit card’s magnetic strip (such as installing a card reader on a merchant point-of-sale system or from a detection device) to make purchases online, by mail, or over the phone, or to create counterfeit physical cards to make fraudulent purchases.
- Theft of a card in transit: Thieves intercept a new credit card on its way to the rightful owner and use it for fraudulent purchases.
Other charges could include using a credit card to defraud a merchant or opening a line of credit with the intention of not paying it back.
Let Our Legal Team Help You Defend Against Fraud Charges
Penalties for credit card fraud often depend on the value of the amount stolen. Our Tampa credit card fraud defense lawyer can help defend you against misdemeanor and felony credit card fraud charges, mitigating the penalties you face and helping you avoid jail time. At Stechschulte Nell, we investigate the charges against you, building a strong case for your innocence. We represent you in court, protect you during police questioning, and strive to mitigate the penalties of credit card fraud charges. Contact us today for a confidential consultation.
Credit Card Fraud Penalties In Florida
Credit card fraud is a serious criminal offense in Florida, carrying severe penalties that can impact your future. Under Florida Statute 817.61, using a stolen, forged, altered, or unauthorized credit or debit card to obtain goods, services, or money is illegal. The penalties depend on the number of fraudulent transactions and the amount of money involved.
The consequences can be serious even if you’re “only” charged with a misdemeanor offense. The advice and protection of our Tampa credit card fraud defense lawyer can help mitigate or avoid these penalties for credit card fraud:
- Misdemeanor Credit Card Fraud: If an individual commits fewer than two fraudulent transactions within six months or obtains less than $100, it is a first-degree misdemeanor. Penalties include up to one year in jail, one year of probation, and a $1,000 fine.
- Felony Credit Card Fraud: If there are two or more fraudulent transactions within six months or the amount is $100 or more, it becomes a third-degree felony. Convictions can result in up to five years in prison, five years of probation, and a $5,000 fine.
A conviction for credit card fraud can also lead to long-term consequences, including a criminal record, loss of employment opportunities, and financial hardship. If you face charges, contact Stechschulte Nell to protect your rights and fight for your future.
Collateral Consequences Of A Credit Card Fraud Conviction In Florida
A credit card fraud conviction in Florida carries more than just criminal penalties—it can have lasting consequences that impact every aspect of your life. Even after serving jail time or paying fines, you may face significant challenges that make it difficult to move forward.
One of the biggest consequences is a permanent criminal record, which can affect employment opportunities. Many employers conduct background checks, and a fraud conviction can make it difficult to secure a job, especially in positions involving finance, customer service, or handling sensitive information.
Your financial future may also be affected. A conviction can make obtaining loans, credit cards, or housing harder, as landlords and financial institutions often review criminal histories before approving applications.
Additionally, you could face professional licensing issues. If you hold a license in fields such as healthcare, law, real estate, or finance, a fraud conviction may result in suspension or revocation, ending your career.
Non-citizens may face immigration consequences, including possible deportation or denial of citizenship.
In some of these situations, our Tampa credit card fraud defense lawyer can help minimize the repercussions, although it depends on your situation and charges.
If you have been charged with credit card fraud, it is crucial to work with the skilled attorneys at Stechschulte Nell, who can fight to minimize these consequences and protect your future. Please contact our firm today for a consultation.
Understanding What To Expect During A Credit Card Fraud Case
Facing credit card fraud charges in Tampa, FL can threaten your reputation, finances, and freedom. We understand the overwhelm and the stakes you’re up against. At Stechschulte Nell, we combine over 25 years in business litigation and a landmark acquittal under Florida’s fraud statutes to stand with you through this critical time.
Early Investigation And Evidence Review
We begin by reviewing the evidence early, because what prosecutors know often dictates your defense options. Our attorneys draw on our years handling business-level fraud claims and a Super Lawyer nomination to assess where the evidence came from, whether any search violated your rights, and what we may use to challenge or dismiss the case.
Pretrial Motions And Strategy
We file pretrial motions swiftly. We may move to suppress evidence gained unfairly, or ask the court to narrow charges when the facts are unclear or overstated. Our trial team, with over two decades of courtroom experience, crafts a tailored strategy to weaken the prosecution’s narrative and bolster your legal position.
Negotiation Versus Trial Decision-Making
At times, weighing a plea offer against going to trial demands thoughtful judgment. You face real consequences such as restitution, fines, or possible probation under Florida law. We discuss your tolerance for risk, prior record, and the strength of the case—and we bring our deep understanding of local court patterns to guide you toward the most favorable path.
Preparing For Courtroom Presentation
If trial is the right path, we take deliberate steps to prepare witnesses, exhibits, and testimony to earn credibility with the judge or jury. We rehearse direct and cross-examinations so you appear confident and trustworthy under questioning. Our advocacy reflects our firm’s commitment—we don’t just defend; we humanize you to those deciding the outcome.
Post-Verdict Steps And Appeal Support
After resolution, we don’t walk away. Should you face conviction or penalties, we assess post-verdict remedies and appellate options to challenge legal errors or excessive sentences. Our appellate prep benefits from our firm’s history in handling complex appeals and our sharp focus on future-saving solutions.
In every stage, we practice with purpose. We dive into evidence, shape your defense narrative, and manage deadlines rigorously. We treat your case as more than a file—we guide you through a real-world crisis with clarity and assurance.
This approach aligns with our broader mission: to support individuals facing serious allegations by building a solid, human-centered case tailored to the Florida legal environment. We shift from understanding the technicalities to prioritizing your peace of mind and legal standing. If you’re facing credit card fraud charges in Tampa, FL, call or submit our web form to set up a consultation today.
Tampa Credit Card Fraud Defense Infographic
Tampa Credit Card Fraud Defense FAQ
Facing credit card fraud charges is overwhelming and stressful, especially when the process moves quickly and the consequences can be severe. Laws in Florida take financial crimes seriously, and convictions may result in fines, probation, or even time in prison. In addition to criminal penalties, the impact on employment and reputation can be long lasting. That is why having reliable information and guidance from the start is critical.
Do I Need A Lawyer For Credit Card Fraud Charges
When someone is accused of credit card fraud, the stakes are high. Prosecutors often pursue these cases aggressively, and even first time offenders may face serious penalties. While it is possible to appear in court without representation, doing so leaves you at a disadvantage. We understand how important it is to have someone who can examine the details, identify weaknesses in the case, and protect your rights. Working with a Tampa, FL credit card fraud defense lawyer gives you the best chance at a favorable outcome.
Will Credit Card Fraud Affect My Credit Score
Even though credit card fraud is a criminal charge, it can still have indirect effects on credit history. If convicted, restitution or civil judgments may appear on your record and create financial challenges. In addition, employers and landlords who conduct background checks may view a fraud conviction negatively. For those reasons, fighting the charge is about more than avoiding jail time. It is also about limiting the long term financial and personal consequences that follow a fraud accusation.
What Does A Credit Card Fraud Defense Attorney Do
A defense attorney’s work goes beyond appearing in court. We investigate the case by reviewing financial records, speaking with witnesses, and analyzing how evidence was collected. We also file motions to suppress evidence if it was obtained improperly and challenge the credibility of the prosecution’s case. In many instances, a Tampa, FL credit card fraud defense lawyer can negotiate with prosecutors to reduce charges or secure alternatives to incarceration. Our role is to safeguard your rights and provide a defense strategy tailored to your situation.
How Long Does A Credit Card Fraud Case Take
The timeline of a fraud case depends on several factors including the complexity of the charges, the amount of evidence, and the court’s schedule. Some cases may be resolved in a few months if there is a plea agreement, while others involving multiple transactions or federal charges may last a year or longer. We recognize that clients want answers quickly, and part of our responsibility is to keep you informed about delays, hearings, and possible outcomes. No matter how long the case lasts, we remain focused on protecting your future.
What Evidence Does A Credit Card Fraud Defense Lawyer Examine
Evidence is at the center of every fraud case. Prosecutors often rely on bank statements, surveillance footage, transaction records, and witness testimony. We take time to review every detail, from the chain of custody on documents to the reliability of digital data. Inconsistencies, errors, or improper handling of evidence can create opportunities to challenge the prosecution’s claims. By carefully examining the facts, a Tampa, FL credit card fraud defense lawyer can build a stronger case for dismissal, reduction of charges, or acquittal at trial.
Moving Forward
At Stechschulte Nell, we believe everyone deserves a fair defense when accused of credit card fraud. Allegations do not equal guilt, and every client should have the opportunity to tell their side of the story. If you or someone you know is facing these charges, it is important to act quickly and choose a team that will protect your rights at every step. Contact us today to speak with a Tampa, FL credit card fraud defense lawyer who will stand with you and fight for the best possible outcome.
