Credit Card Fraud
Cash transactions are on the decline as more and more are taking place using credit cards or debit cards. This is especially true over the past decades, with the advent of the internet and online purchases. However, with increased credit card use come increased accusations of credit card fraud and debit card fraud. In complicated fraud matters, it can make a big difference if your attorney has the experience to be able to build a strong defense.
Des Moines Credit Card Fraud Lawyer
At McCarthy & Hamrock, P.C., our criminal defense attorneys have four decades of combined legal experience, including representing those accused of fraud and white collar charges. They can put their skills to work for you. Hire a Des Moines credit card fraud lawyer who understands fraud charges and knows how to defend a client against them. Call us today at (515) 279-9700 for a free consultation about your credit card fraud charges.
We represent clients throughout Polk County and Dallas County, including in Des Moines, West Des Moines, Ankeny and Johnston. We may also represent those facing credit card charges across Iowa.
Defining Credit Card Fraud in Iowa
It is illegal, under Iowa Code 715A.6, for a person to use a credit card or a debit card to buy something or attempt to buy something if that person knows that the card is fake, stolen, been revoked or canceled, or if that person knows that he or she is not legally authorized to use the credit card or debit card.
If, for instance, you are accused of buying things online using a credit card using the credit card of a relative and that relative did not say it was OK to use the credit card, you may face credit card fraud charges. If you are accused of copying someone's debit card information and fabricating a card out of that and attempting to purchase something with it, then you may also face credit card fraud charges.
People obtain stolen or unauthorized credit cards in many ways. For example, "phishing" is a method by which people obtain credit card information and other personal info by sending emails that appear to be from merchants. When a waiter or store employee takes credit card or debit card information, either by use of a device or simply by writing it down, it is known as "skimming."
Punishments for Polk County Credit Card Fraud Charges
The amount of punishment that you can receive for a credit card fraud conviction depends on how valuable the prosecution can prove the property you stole or attempted to steal was. If there were several transactions the prosecutor can prove occurred, the amount may be considered in total. For instance, if prosecutors prove that you stole $500 worth of goods 10 times, you will be charged as if you stole $5,000.
If the value is more than $10,000, it is a Class C felony, punishable by up to 10 years in prison and a fine from $1,000 to $10,000. If the amount is more than $1,000 but less than $10,000, it is a Class D felony, punishable by five years and a fine of $750 to $7,500. For less than $1,000, it is an aggravated misdemeanor, with a prison sentence up to two years and a fine from $625 to $6,250.
The prosecutor must prove every instance of fraud beyond a reasonable doubt. Your Des Moines fraud defense lawyer can challenge every allegation, which can result in your sentence being dramatically reduced, or the charges being dismissed altogether.
McCarthy & Hamrock, P.C. | Polk County Debit Card Fraud Attorney
If you face charges of credit card fraud or debit card fraud, call the experienced criminal defense attorneys at McCarthy & Hamrock, P.C.. A skilled Des Moines credit card or debit card lawyer can make the difference between keeping your liberty and spending years in prison. Contact us today at (515) 279-9700 to schedule a free consultation.