Fayetteville Credit Card Fraud Lawyer

Credit Card Fraud Attorney in Fayetteville, NC

If you have been charged with credit card fraud, it is essential to seek legal help immediately. Cases of fraud can be classified as a misdemeanor or a felony, depending on the severity of the case. Both types of charges can carry heavy penalties that may have a lasting impact on both your personal and professional life. A skilled Fayetteville credit card fraud lawyer can assess the details of your case and build a strong defense on your behalf.

At the W. James Payne Law Firm, we believe that every client has the right to a strong defense. It is our responsibility to ensure your side of the story is heard and considered in court. We are passionate about helping our clients in any way possible, and we promise to work diligently on your behalf.

Credit Card Fraud

Any circumstance in which one individual uses the identity of another and fraudulently represents them is considered a crime in North Carolina. Additionally, it is unlawful to use the financial resources of another individual without their permission. Credit card fraud, therefore, breaks state law in multiple ways. Because intent is a key element in almost every fraud case, it’s important to understand what constitutes criminal intent under North Carolina law and how it can affect prosecution.

There are several possible defenses for an individual facing credit card fraud charges. Sometimes there are disagreements between family members or friends who lend credit card information. If you believe you have been wrongly charged, that information is vital to share with your lawyer. Regardless of your situation, an experienced lawyer can defend your case in court based on their knowledge of the law and the evidence they gather on your behalf.

Credit Card Fraud Penalties

In North Carolina, anyone who commits fraud may be charged with either a misdemeanor or a felony. If the amount of goods or money stolen adds up to more than $500 within a 6-month period, a convicted individual may receive a felony charge. The penalty an individual receives for credit card fraud may depend on whether they are charged with a misdemeanor or a felony, their criminal history, and the specific characteristics of their crime. If you’re trying to understand how your charge might be classified, learning the difference between a felony and a misdemeanor in North Carolina can be a helpful starting point.

For credit card fraud cases classified as Class 2 misdemeanors, penalties may include fines of up to $1,000 and a maximum jail term of 30 days. Class 1 felony charges can result in 3 to 12 months of jail time. Cases involving credit card fraud in Fayetteville are heard at the Cumberland County Courthouse, located at 117 Dick St., in Fayetteville.

Why Choose Us?

The North Carolina Department of Justice estimates that credit card fraud accounts for more than $1 billion in annual costs. According to the FTC, credit card fraud is the most prevalent type of identity theft, with an 8% increase reported in 2024. In light of such staggering numbers, the penalties for individuals who are convicted of credit card fraud can be severe. Even for first-time offenders, the consequences can feel overwhelming and have a drastic impact on both their personal and professional lives. For additional context on how prosecutors handle financial allegations, this overview of common white-collar crimes in North Carolina can show where credit card fraud fits within broader charging trends.

W. James Payne spent over 30 years serving as a Colonel in the United States Marine Corps Reserve, during which he spent 5 years as a judge. Since then, he has dedicated his life to defending individuals charged with white collar crimes. He is a native of North Carolina and is passionate about fiercely defending each of his clients. When you are up against a tough opponent, W. James Payne is the defense attorney to have in your corner.

FAQs

What Type of Lawyer Handles Credit Card Fraud in Fayetteville?

If you are dealing with credit card fraud, a lawyer who has experience in handling cases involving fraud can be of great help. Fraud cases can be classified as either a felony or a misdemeanor depending on various specific factors, such as the amount of money involved. It is essential to hire a lawyer who understands the intricacies of each type of law, as well as the differences between state and federal laws.

Is Credit Card Fraud a Felony In North Carolina?

Credit card fraud may be charged as a felony in North Carolina, depending on multiple factors. If more than $500 worth of money or goods has been fraudulently gained within a 6-month time frame, the crime may be charged as a felony. Punishments that may be imposed can include penalties for a Class I felony, such as imprisonment and substantial fines. Ultimately, each case is unique and may be classified differently depending on the prosecutor’s decisions.

At What Amount Does Credit Card Fraud Become a Felony in Fayetteville, NC?

Generally, credit card fraud may be classified as a felony charge if the amount of money or goods exceeds $500 within a 6-month time period. Other elements that may elevate a charge of fraud to a felony include the defendant’s criminal history and the presence of any aggravating factors. When you hire a credit card fraud lawyer, they can assist you in understanding your charges and developing a strong defense.

How to Beat a Credit Card Fraud Case in Fayetteville, NC?

There are many methods your defense attorney may take to guide someone in a credit card fraud case. If the defendant does not have a criminal record, their defense attorney may use this as a reason why they should not receive the full penalty for the crime. Other defense strategies may include claiming that your identity was stolen, showing you had permission to use the card, or that you were coerced into committing the fraudulent act.

Hire a Credit Card Fraud Lawyer: W. James Payne Law Firm

If you have been charged with credit card fraud, you need to act quickly in order to defend your case. One of the first steps to take is to hire a Fayetteville credit card fraud attorney. Because fraud cases can be categorized as misdemeanors or felonies, it is important to hire a lawyer with experience with both types of cases.

At the W. James Payne Law Firm, our team is passionate about helping you secure your freedom. Contact us today to learn more about our process and discover how we can assist you. We understand the complexities of credit card fraud laws and can provide a detailed explanation of your case.