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Credit Card Fraud & Theft
Woodbridge NJ Credit Card Fraud Defense Lawyer
There is a wide array of fraudulent conduct that can result in a credit card offense in Middlesex County. The highest number of credit card charges occur at major shopping destinations like the malls located in Woodbridge, Edison, East Brunswick and North Brunswick, where the opportunity for fraud, theft and forgery is at its peak. There are also a many credit card fraud and credit card theft cases filed in the City of New Brunswick since that is where the county courthouse is located where these types of offenses are heard. If you have been charged with any type of credit card related violation, our attorneys have the tools to effectively defend you. The members of our defense team have represented many individuals arrested under N.J.S.A. 2C:21-6 (“Credit cards”) and for companion offenses of identity theft and theft by deception over the past two decades. A lawyer with the knowledge and skill to thoroughly protect you against a conviction is available now at Marshall Bonus Proetta & Oliver. Jason Seidman, a former supervisor in the Office of the Middlesex County Prosecutor and the other lawyers on our staff can be reached for a free consultation by contacting our Woodbridge Office at 732-634-0700. Call us anytime 24/7 for a free consultation.
Credit Card Offense in Middlesex County New Jersey
N.J.S.A. 2C:21-6 sets forth eight varieties of credit card offense. The largest block of charges fall under the category of credit card fraud or some variety of theft of credit cards. The following is a breakdown of each type of credit card charge along with the grading of that offense.
1. False Representation To Obtain A Credit Card
It is a fourth degree crime to knowingly make a false statement in order to obtain a credit card.
2. Credit Card Theft
There are six scenarios under which a theft of credit cards can arise: (1) taking the credit card of another without consent; (2) using a mislaid, lost or mistakenly delivered credit card; (3) buying or selling a credit from someone other than its true owner; (4) taking a credit card as security for a debt; (5) creating or making a false credit card; and (6) unauthorized signing or execution of a credit card. Credit card theft is a fourth degree crime except where someone falsely makes or embosses a credit card to defraud, in which case the violation is a third degree crime.
3. Frauds Committed By Persons in Lawful Possession of a Credit Card
This category of credit card fraud occurs in one of two ways. Using a credit card that you know is revoked, forged or expired is the first scenario. The second manner in which this charge arises is when someone wrongful represents authority as the cardholder. A conviction under either scenario is a third degree crime.
4. Fraud Committed by the Provider of Money, Goods or Services
A merchant or provider of goods or services commits fraud if he/she utilizes or charges a credit card knowing that it was stolen, forged or expired, or where they make charges when the related services were never provided. It is a third degree crime to knowingly utilize a bogus card. Unauthorized charging of a credit card is a fourth degree crime.
5. Possession of an Incomplete Credit Card
Having possession of two or more incomplete credit cards of others with the intention of improperly using the items is a third degree crime.
6. Possession of Plates or Contrivance to Produce a Counterfeit Credit Card
Possession of plates or other apparatuses to produce counterfeit credit cards is a crime of the third degree crime.
7. Receipt of Anything of Value As Result of Credit Card Fraud
It is a fourth degree crime for someone to receive money, goods, services or anything of value which they know is the result of credit card fraud.
8. Fraudulent Use of Credit Card
It is a third degree crime to use a counterfeit, fictitious, altered, forged, lost, stolen or fraudulently obtained credit card.
Penalties for Credit Card Theft, Fraud & Forgery
Third degree credit card fraud and theft carries carries a fine of up to $15,000 and a maximum state prison term of 5 years. The permissible fine is $10,000 and a period of incarceration of 18 months applies to fourth degree credit card offenses.
East Brunswick Credit Card Theft Attorneys
As previously stated, the incident of credit card theft is highest in a town like East Brunswick where Brunswick Square Mall is located. This does not mean, however, that credit cards are not also stolen in Old Bridge, Piscataway, South Brunswick or Spotswood. What we are saying is that stealing of credit cards is less prevalent in these municipalities. Irrespective of where you were charged with theft of a credit card, our attorneys possess the know-how to help you. A lawyer at Marshall Bonus Proetta & Oliver will invest his time and skills as a former prosecutor to insure that the most favorable result is achieved in your credit card case. Call our East Brunswick Office now at 732-227-1200 to speak to an attorney on our staff.