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Long Island Credit Card Fraud Lawyer HTML view Note
Credit Card Fraud
Credit card fraud is a form of identity theft in which an unauthorized individual makes charges to a victim’s bank card. According to the Federal Trade Commission, in 2015, 17 percent of all identity theft was related to credit card fraud. That is a lot of fraud adding up to billions of dollars in lost funds.
This type of fraud can be subdivided into seven categories.
Application Fraud
Application fraud is related to a thief filling out a credit card application under the name and Social Security number of a victim. Once the application is approved, the bank issues a credit card that the fraudster uses to purchase goods and services. Meanwhile, the victim receives the bill and sees a negative effect to his credit score.
Mail Non-Receipt Fraud
Related to application fraud, mail non-receipt fraud crosses the line from identity theft into mail theft, which is a federal crime according to United States Code 18 Section 1708. Mail theft alone can lead to up to five years in federal prison and up to a $250,000 fine. A mail non-receipt crime can mean a new credit card is stolen out of the mail or the application used to apply for new card is stolen.
If you are looking for a lawyer that listens, is aggressive where needed, and holds his word above all else, Todd is the best pick. I had hired multiple attorneys prior to hiring the Spodek Group for a white collar case. The first thing that stood out to me was the cost, as anyone going through the process and dealing with the system, money was tight at that time - especially after hiring and firing multiple lawyers. The cost was not as high as others which was definitely a plus. Todd's intake process was also unlike other attorneys. He took the time to actually listen. He cared. He was trying to put himself in my shoes while I was explaining the situation to him and he really took the time to understand the whole situation. Other lawyers will give you 15 mins and send you a retainer agreement. Not Todd, I think he spent almost two hours with me as I was explaining everything.Not only was he great during the onboarding process, he was supportive and very informative through the entire plea process and eventually sentencing. After hiring him, I asked if I should hire a prison consultant, he told me to save my money as he would do everything they would. He was right and held up to his word. Later on I would hear from others that went with the prison consultants that they were a waste of money - I am glad I listened to Todd!When it came time for sentencing, two days prior to sentencing, the prosecutor tried increasing my proposed prison time by almost double - apparently a normal move. Todd and his team worked with me non-stop through the weekend prior to sentencing to ensure that I was not given additional prison time. Again, he took the time to listen and came up with a strategy to explain the case with great detail.Unfortunately, I did plead guilty as that was my best option. Todd and his whole team wrote up nearly 300 pages of a summary of what happened and why I should not be given prison time. If I breakdown the amount I spent with Todd versus the amount of work that I saw being done, I am shocked I was not charged four times as much. The other benefit was, a lot of criminal defense lawyers were just a single attorney with a paralegal or two. Todd had a team of people that I dealt with (5-7 people that I interacted with), but he was ALWAYS accessible. It would never take him more than an hour to reply unless he was in court.I was sentenced to prison and I was emotionally distraught. Todd and his team did whatever they could even after sentencing to make sure I was alright. He personally stayed in touch with my family to ensure I was doing alright and offered support to them. Most lawyers would consider the job complete at sentencing, not Todd.After prison, Todd still spent time with me to make sure I was on the right track and avoiding any potential risks in the future. He has also been giving advice on how to navigate probation etc and has not been looking at the clock for billing.Although I wish I had never been arrested in the first place, I am glad I had Todd and his team in my corner. Without them I likely would have had to spend a lot more time in prison than I did.Thank you, Todd, and the entire Spodek Law team, for helping turn what was a nightmare into a manageable situation!
I am immensely grateful to the entire team at Spodek Law Group for their unwavering dedication and exceptional expertise throughout my case. From our initial consultation to the final resolution, their professionalism and tireless advocacy made all the difference. Their strategic approach and attention to detail instilled confidence in me every step of the way.Thanks to their hard work and commitment, we achieved a truly favorable outcome that exceeded my expectations. Not only did they navigate the complexities of my case with precision, but they also provided invaluable support and guidance during what was undoubtedly a challenging time. I cannot recommend Spodek Law Group highly enough, especially attorneys Todd Spodek and Claire Banks; they are beacons of excellence in the legal profession.YSP.
Todd, Ralph and Alex are amazing. Helped my husband get from a double digit number with multiple charges to a single digit, by the time I blink he will be out. They very professional and help with all your needs. They dealt with my anxiety and worry very well and they understand that your family member needs to get home as soon as possible.
Believe every single review here about Alex Z!! From our initial consultation, it was evident that Alex possessed a profound understanding of criminal law and a fierce dedication to his clients rights. Throughout the entirety of my case, Alex exhibited unparalleled professionalism and unwavering commitment. What sets Alex apart is not only his legal expertise but also his genuine compassion for his clients. He took the time to thoroughly explain my case, alleviating any concerns I had along the way. His exact words were “I’m not worried about it”. His unwavering support and guidance were invaluable throughout the entire process. I am immensely grateful for Alex's exceptional legal representation and wholeheartedly recommend his services to anyone in need of a skilled criminal defense attorney. Alex Z is not just a lawyer; he is a beacon of hope for those navigating the complexities of the legal system. If you find yourself in need of a dedicated and competent legal advocate, look no further than Alex Z.
I don’t know where to start, I can write a novel about this firm, but one thing I will say is that having my best interest was their main priority since the beginning of my case which was back in Winter 2019. Miss Claire Banks, one of the best Attorneys in the firm represented me very well and was very professional, respectful, and truthful. Not once did she leave me in the dark, in fact she presented all options and routes that could possibly be considered for my case and she reinsured me that no matter what I decided to do, her and the team will have my back and that’s exactly what happened. Not only will I be liberated from this case, also, I will enjoy my freedom and continue to be a mother to my first born son and will have no restrictions with accomplishing my goals in life. Now that’s what I call victory!! I thank the Lord, My mother, Claire, and the Spodek team for standing by me and fighting with me. Words can’t describe how grateful I am to have the opportunity to work with this team. I’m very satisfied, very pleased with their performance, their hard work, and their diligence.Thank you team!
I recently had Spodek Law Group represent me for a legal matter in NYC and I am thoroughly impressed with their services.Alex Zhik secured the best possible outcome for my case.It was a seamless journey from the initial consultation to the resolution of my legal matter. From the moment I spoke to Todd about my case, his enthusiasm to help was evident, setting a positive tone for the entire experience. The efficiency and professionalism displayed by the team is commendable.A particularly noteworthy aspect of their service is their user-friendly portal to upload your documents/evidence. This not only simplified the process, but showcases their commitment to streamline the client experience.Lastly, in an industry where legal fees can often be a concern, I found their pricing to be very reasonable, making needing legal assistance feel accessible and stress-free.I am grateful for their support and wouldn't hesitate to turn to them again in the future.
Lost or Stolen Card
When a victim loses a wallet or has it stolen, whoever finds it may be tempted to take his credit cards on a spending spree that lasts just as long as it takes to max out the victim’s credit line. Keep in mind that the thief could just as easily be a friend, family member, or stranger in this type of fraud.
Card Takeover Fraud
Card takeover fraud happens when a criminal gains enough information about the victim to intercept the card in transit from the bank or to added himself on as an authorized user. For example, a criminal finds a credit card statement, an expired credit card, and a tax return in a dumpster. He uses the information to call the bank and have himself added to the account as an authorized user. He then orders a new credit card to be delivered to the victim’s home. He then stakes out the victim’s mailbox and intercepts the credit card before the victim arrives home from work. The criminal now has the means to make charges against the victim’s credit line.
Card-not-present Fraud
In January, 2012, Forbes published Hacker’s Demo Shows How Easily Credit Cards Can Be Read Through Clothes And Wallets which detailed just how easy it is for an unethical person to collect credit card information just by walking through crowds and scanning wallets and purses. Once he is in possession of the information, he can use the card numbers to make online purchases.
Counterfeit Card Fraud
Related to card-not-present fraud, counterfeit card fraud happens when a criminal successfully captures a credit card’s details, then transfers that data to the magnetic strip of a blank card. He can then use card scanners and ATM machines to make purchases and pick up cash.
Merchant Fraud
Not all merchants are ethical. They may add unapproved charges to a perfectly legitimate credit card transaction or sell the credit card numbers collected from customers to fraudsters. Credit card companies are also a type of merchant. Some credit card companies fail to abide by fair trade laws and charge excessive fees that bump up the cardholder’s balance illegally.
Victim Protection
Since most banks will not hold a victim of credit card fraud responsible for the fraudulent charges, many criminals consider credit card fraud a victimless crime. This is regardless of the months, if not years, it may take for the victim to prove their case and to recover from the shock to his credit score. Nevertheless, credit card fraud is a crime punishably by imprisonment, restitution, and steep fines.
How We Can Help
Whether you are a victim who is struggling to have fraudulent credit card activity resolved or an individual charged with credit card theft, you do not have to fight alone. Let the legal experts at Long Island Criminal Lawyers advocate for you. Don’t find yourself on the losing end of a court case that can change your life forever. Contact us today for a consultation.
