Credit card fraud is known as the unlawful use or possession of a credit card. This means that while an individual did not have the authorization to use a credit card, they still used it to purchase goods or services. The resulting charge could range in severity from simple possession to the improper use or sale of a credit card.
Having someone’s PIN number can be evidence of intent to misuse their account, even if the individual has not done so. In that case, they would want to get a professional Birmingham credit card fraud lawyer involved as soon as possible in order to protect them. Read on to learn more about how a skilled defense attorney could make a difference in your case today.
Potential PenaltiesThe penalties for credit card fraud will vary depending on the amount of money obtained as a result of a fraudulent activity. If the amount is under $200,000, the crime is considered a misdemeanor. If over $200,000 was misused, the crime is a felony and will expose the individual to much more time in prison which could include five or six years in custody. If the individual has the possession of a credit card with the intent to misuse it but has not acted on it, the potential penalties could result in four years of jail time or a $5,000 fine.
If an individual uses a credit card under $200, the penalty would be closer to a 93-day misdemeanor. If the amount is between $200 and $1,000, the crime would be a misdemeanor, and the sentence could be up to one year in jail and/or a fine of up to $2,000 (or three times the value of the property). If the individual used the card to buy something valued in excess of $1,000, this could be a five-year felony. In order to fight against these penalties, it can be extremely important to retain the assistance of a professional Birmingham credit card fraud lawyer as soon as possible.
Common MisconceptionsOne of the common misconceptions about credit card fraud is that many individuals believe that someone actually has to misuse the credit card itself to be charged with fraud. The mere possession of a stolen credit card or the sale of a credit card to a third party are still crimes even if the individual never uses the credit card.
If someone receives a notice from his or her bank that their credit card has been canceled and they still use it after that, they can also be charged with fraud. In addition, individuals sometimes sign a false name with the credit card, which can give them additional criminal exposure. If someone has been charged with any of these acts, they should seek help from a weathered defense attorney to fight against their associated penalties.
The Role of a Birmingham Credit Card Fraud LawyerSomeone who has been charged needs to have a dedicated Birmingham credit card fraud lawyer present from the very beginning because they can face significant fines and penalties. If the person is under investigation for credit card fraud or a theft, they would a lawyer to begin to investigate right away. Often, the facts of the case are the result of a dispute that can potentially be resolved. Additionally, these cases can sometimes be resolved by making the aggrieved party whole. In order to pursue your best legal options, consider retaining an experienced Birmingham credit card fraud lawyer today.