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Credit Card Fraud



Understanding Credit Card Fraud in Florida

In the state of Florida, credit card fraud is not just a minor offense; it’s a crime that carries significant legal consequences. According to Florida Statute 817.61, using someone else’s credit card without their express permission to obtain goods or services is considered a criminal act. This law encompasses a range of fraudulent activities, including the use of stolen, forged, or fraudulent credit cards, as well as stolen credit card numbers.

What constitutes credit card fraud in Florida? Credit card fraud in Florida involves the unauthorized use of another person’s credit card information to make purchases or withdraw funds, including the use of stolen, forged, or fraudulently obtained cards.

Instances of credit card fraud can vary widely but often include scenarios where individuals retain possession of a card that is not theirs without the cardholder’s permission, theft of a card through taking or finding, and purchasing or selling stolen cards. Such actions not only harm the individuals whose information was misused but also pose a significant threat to the integrity of financial systems and consumer trust.

Credit Card Fraud Illustration

Given the serious nature of these offenses, it’s crucial for anyone accused of credit card fraud to seek competent legal representation immediately. At Leppard Law, our Florida credit card fraud defense lawyers are well-versed in the complexities of fraud cases and are dedicated to protecting the rights of our clients. Whether you’re facing charges related to the fraudulent use of credit cards, or you’re accused of being part of a larger fraud scheme, our team is equipped to provide the defense you need.

Understanding the nuances of credit card fraud laws and the potential defenses requires a deep knowledge of both state and federal regulations. For example, certain defenses may hinge on proving a lack of intent to commit fraud or disputing the allegations based on inaccuracies in the evidence presented by the prosecution. Our legal team at Leppard Law is committed to exploring every avenue to defend your case, aiming to achieve the best possible outcome given your circumstances.

With the potential for credit card fraud charges to escalate to identity theft, a felony charge, the stakes couldn’t be higher. The implications of a conviction extend beyond legal penalties; they can tarnish your reputation, affect your employment opportunities, and result in a permanent criminal record. That’s why it’s imperative to act swiftly and secure representation from attorneys who understand the gravity of your situation and are prepared to fight for your rights.

For anyone navigating the complexities of credit card fraud charges in Florida, remember that you don’t have to face this challenge alone. The experienced fraud defense attorneys at Leppard Law are here to offer guidance, support, and vigorous defense to protect your future. Contact us today to discuss your case and learn how we can help.

Types of Credit Card Fraud and Theft

In the digital age, credit card fraud has evolved into a rampant issue that affects countless individuals and businesses in Florida. Understanding the various forms of credit card theft is the first step towards safeguarding yourself against these illicit activities. At Leppard Law, we’re committed to educating our clients on the dangers of credit card fraud and providing unmatched legal defense for those accused.

Credit Card Fraud Types

Credit card fraud can manifest in numerous ways, each with its unique method of operation. Below are some of the most common types encountered in Florida:

  • Stolen or Lost Card Fraud: This occurs when a thief physically acquires someone else’s credit card and uses it to make unauthorized purchases.
  • Card Not Present Fraud: A prevalent form of fraud that happens when card details are stolen and used for online or over-the-phone transactions without needing the physical card.
  • Identity Theft: This involves criminals obtaining personal information to open new credit accounts in another person’s name, often leading to significant financial and reputational damage.
  • Skimming: Thieves use a small device to capture and store card information from the magnetic stripe of a credit or debit card.
  • Phishing: Fraudsters trick cardholders into revealing their card details through fake emails or websites that mimic legitimate businesses.

Common Methods of Committing Credit Card Fraud

The tactics employed by fraudsters to commit credit card fraud are as varied as they are cunning. Awareness of these methods is crucial for prevention:

  • Phishing Emails: Fraudulent emails designed to look like they’re from reputable sources, asking for sensitive information.
  • Public Wi-Fi Interception: Using unsecured public Wi-Fi networks, hackers can intercept data transmitted by users, including credit card information.
  • Malware: Malicious software installed on a victim’s device without their knowledge, used to steal credit card information.
  • Social Engineering: Manipulating individuals into divulging confidential information, such as credit card details.
  • Data Breaches: Large-scale hacking incidents where thousands of credit card numbers can be stolen from compromised databases.

At Leppard Law, we understand the complexities involved in defending against credit card fraud charges. Whether you’ve been wrongfully accused or find yourself facing allegations, our team of Florida Credit Card Fraud Defense Lawyers is here to help. We employ a comprehensive approach to analyzing the evidence, challenging the prosecution’s case, and advocating for your rights.

If you or someone you know is dealing with credit card fraud allegations, it’s essential to act swiftly. Contact Leppard Law at 407-476-4111 today for a consultation. Our experienced Orlando Fraud Defense Attorneys are dedicated to navigating you through this challenging time and working towards a favorable resolution of your case.

Remember, early legal intervention can significantly impact the outcome of your case. Let Leppard Law be your ally in fighting credit card fraud charges.

Penalties for Credit Card Fraud in Florida

When it comes to understanding the gravity of credit card fraud in Florida, knowing the potential penalties is crucial. Under Florida law, credit card fraud can be classified as either a misdemeanor or a felony, depending on the specifics of the crime. The distinction between these charges hinges on factors such as the value of goods obtained fraudulently and the frequency of the fraudulent activity.

For anyone facing these charges, the stakes are high. Not only could a conviction lead to significant legal penalties, but it also carries the burden of a lasting impact on one’s personal and professional life. That’s why at Leppard Law, we approach each case with the seriousness it deserves, offering our expertise to navigate these complex legal waters.

Consequences of Misdemeanor vs. Felony Charges

The difference between misdemeanor and felony charges for credit card fraud in Florida is significant, each carrying its own set of penalties:

  • Misdemeanor Credit Card Fraud: This is typically charged when the fraudulent use of a credit card occurs less than two times within a six-month period, and the total value of goods or services obtained is less than $100. Penalties can include up to one year in jail, one year of probation, and fines up to $1,000.
  • Felony Credit Card Fraud: Charged when a credit card is used fraudulently more than two times within six months or for obtaining goods or services valued at over $100. Conviction can result in up to five years in prison, five years of probation, and fines up to $5,000.

Understanding these distinctions is vital for anyone facing credit card fraud charges. At Leppard Law, we’re dedicated to providing a defense that meticulously considers the nuances of each case, striving for outcomes that protect our clients’ futures. If you’re dealing with allegations of credit card fraud, don’t hesitate to reach out for the skilled defense you need.

For more detailed information on defending against credit card fraud charges, consider reading about our approach on Florida Credit Card Fraud Defense Lawyers Near You. Additionally, exploring related topics such as Insurance Fraud Defense or Forgery in Florida could provide further insights into the broader context of fraud crimes in the state.

Did you know? Multiple uses of a stolen or forged card within a span of six months are treated as one crime in Florida, a fact that can significantly influence the strategy for defense.

Remember, facing credit card fraud charges can be a daunting experience, but you don’t have to go through it alone. Contact Leppard Law at 407-476-4111 today to schedule a consultation. Our team of Orlando Fraud Defense Attorneys is ready to stand by your side, offering expert legal counsel and unwavering support throughout your case.


Defending Against Credit Card Fraud Charges

Facing credit card fraud charges in Florida can be a daunting and overwhelming experience. The consequences of a conviction can be severe, affecting not just your immediate freedom but also your future employment opportunities, financial stability, and reputation. It’s here that the role of an experienced fraud defense attorney becomes indispensable. At Leppard Law, we understand the intricacies of credit card fraud cases and are committed to providing our clients with the robust defense they deserve.

Our approach is tailored to the unique circumstances of each case, ensuring that we explore every avenue for defense. Whether it’s challenging the evidence presented, negotiating with prosecutors for reduced charges, or fighting vigorously in court, our goal is to protect your rights and secure the best possible outcome.

Legal Defense Strategy

Strategies for Defense in Credit Card Fraud Cases

In defending against credit card fraud charges, several strategies may be employed depending on the specifics of the case:

  • Lack of Intent: Demonstrating that the accused did not have the intention to commit fraud can be a powerful defense. This might involve showing that any use of the credit card was under the belief that permission had been granted.
  • Mistaken Identity: Credit card fraud often involves digital transactions where identity theft is common. Proving that the defendant was not the individual who committed the fraud can lead to charges being dropped.
  • Insufficient Evidence: A defense may focus on the prosecution’s lack of concrete evidence tying the defendant to the crime. Without clear, incontrovertible evidence, the case against the accused may not stand.
  • Authorization by the Cardholder: If it can be shown that the cardholder authorized the transactions in question, charges of fraud can be effectively countered.

At Leppard Law, we delve deep into the evidence, employing our legal acumen and resources to build a defense that accounts for every detail of your case. Our expertise in fraudulent use of credit cards and related fraud offenses positions us uniquely to advocate on your behalf.

Remember, a charge is not a conviction. With the right defense strategy, it’s possible to fight back against credit card fraud charges effectively.

For those seeking to understand more about the defense against credit card fraud, we invite you to explore our insights on Insurance Fraud Defense and Mortgage Fraud Defense in Florida. These resources provide a broader view of fraud defense strategies and underscore our comprehensive approach to legal defense.

If you or someone you know is facing credit card fraud charges, time is of the essence. Contact Leppard Law at 407-476-4111 today to schedule a consultation. Our team of Orlando Fraud Defense Attorneys is ready to provide the aggressive, personalized defense you need to navigate these challenging times.


Infographic depicting the words Credit Card Fraud

Frequently Asked Questions About Credit Card Fraud

What exactly is credit card fraud?

Credit card fraud refers to the unauthorized use of a credit card to make purchases, withdraw funds, or engage in transactions with the intent to defraud the cardholder or financial institution. This can include using stolen or lost cards, card numbers obtained unlawly, or counterfeit cards.

How can I protect myself from credit card fraud?

Protecting yourself from credit card fraud involves several strategies:

  • Regularly monitor your credit card statements for unauthorized transactions.
  • Use strong, unique passwords for online banking and shopping accounts.
  • Be cautious about sharing personal information, especially online or over the phone.
  • Enable alerts for transactions on your credit cards.

What should I do if I’m a victim of credit card fraud?

If you suspect you’re a victim of credit card fraud, take the following steps immediately:

  1. Contact your credit card issuer to report the fraud and request card cancellation and replacement.
  2. Report the fraud to the relevant authorities, including the police and credit reporting agencies.
  3. Consider placing a fraud alert or a credit freeze on your credit reports.
  4. Keep records of all communications related to the fraud.

What are the legal options for victims of credit card fraud?

Victims of credit card fraud have several legal avenues to consider:

  • Disputing unauthorized transactions with your credit card issuer.
  • Filing a report with law enforcement to initiate an investigation.
  • Consulting with a legal professional to explore the possibility of civil litigation against perpetrators.
  • Utilizing identity theft protection services to safeguard against further fraud.

For more detailed guidance, contacting a law firm experienced in handling fraud cases, such as Orlando Fraud Defense Attorneys, can provide personalized advice and representation.

Exploring all facets of legal defense in Florida, we offer our expertise across a wide range of practice areas beyond credit card fraud.

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List of Top-Rated Credit Card Fraud Attorneys Serving Florida

Choosing the right legal representation is essential when facing credit card fraud charges. A dedicated attorney from our team ensures you’re well-informed and supported throughout each step of your case.




Top-Rated Lawyers in Florida


Top-Rated Credit Card Fraud Lawyers Serving Florida

Looking for the best credit card fraud defense in Florida? Our distinguished team of attorneys is committed to offering you the best possible defense against your charges.

  • John Vallillo: As a stalwart in the legal scene, John Vallillo has earned his stripes through a consistent record of case dismissals and proactive defense. His background as both a prosecutor and defense attorney enriches his strategic defense planning with invaluable insights.
  • Joe Easton: Renowned for crafting winning defenses, Joe Easton’s approach to legal advocacy in Florida combines thorough preparation with aggressive representation. His notable recognitions and ratings stand testament to his exceptional service and client-focused approach.
  • Joel Leppard: Joel Leppard infuses every case with a level of personal commitment and innovative thinking that sets him apart. His leadership has not only grown Leppard Law into a top-rated criminal defense law firm but also ensured that clients receive empathetic, effective legal care.


Read Reviews from Our Credit Card Fraud Clients in Florida

At the forefront of our credit card fraud practice is a deep-seated commitment to client satisfaction. Each case is handled with utmost care, as echoed in the appreciative feedback from those we represent.



Infographic depicting the words Credit Card Fraud

Take Charge of Your Future with Leppard Law

At Leppard Law: Fraud Defense Attorneys, we understand the gravity of facing credit card fraud charges in Florida. We believe in a personalized approach to legal defense, treating each client with the respect, dedication, and personalized attention they deserve. Our team, led by top-rated attorneys, leverages over 60 years of combined experience to defend your rights and fight for the best outcome in your case.

Why Choose Leppard Law?

  • Personalized Legal Care: We know our clients by name, not just by case number. Our approach is to work closely with you, ensuring you’re informed and supported every step of the way.
  • Expertise and Experience: Our attorneys have a proven track record of success, from dismissals to significant charge reductions in credit card fraud cases.
  • Client-Centered Communication: We prioritize clear, consistent communication, ensuring you’re never in the dark about your case.
  • Technology-Driven Defense: Utilizing the latest technology, we offer efficient and innovative legal solutions, keeping you one step ahead.

Our Commitment to Excellence has been recognized across various prestigious platforms:

Award Organization Year Criteria Link
Listed among the “Best Criminal Defense Lawyers in Orlando” Expertise 2024 Excellence in criminal defense Expertise
Awesome Attorneys Orlando Orlando Family Magazine 2023 Selected by readers and legal peers Orlando Family Magazine
Top 10 Best DUI Lawyers in Orlando, FL Thumbtack 2024 Client satisfaction and excellence in DUI defense Thumbtack
Martindale Hubbell “Client Champion Platinum” Martindale Hubbell 2024 Exceptional client feedback Martindale Hubbell
Best DUI Lawyers in Orlando Expertise 2024 Top DUI defense strategies and outcomes Expertise

If you or a loved one is facing credit card fraud charges, don’t navigate this challenging time alone. Leppard Law is here to offer the support, expertise, and compassionate defense you need. Contact us today at 407-476-4111 to schedule your free consultation and take the first step towards securing your future.

Trusted Content

Legally Reviewed by Joe Easton

Expert Attorney

Legally reviewed by Joe Easton and the content team, this article reflects the firm’s 60 years of combined criminal defense expertise. Joe Easton, with his comprehensive experience and strategic acumen in DUI and criminal defense, doesn’t just offer legal representation; he promises a commitment to transforming legal challenges into victories. His method, blending fierceness in the courtroom with personalized client care, ensures your case is not only defended but championed with dedication and expertise.

Discover More About Joe Easton