Blog
Texas PPP Loan Fraud Lawyers
Texas PPP Loan Fraud and EIDL Loan Fraud Lawyers
At Spodek Law Group – Over 50 Years of Combined Experience
If you’re on our website, it’s because you’re facing fraud allegations over PPP loan fraud or EIDL loan fraud allegations—and you need the best possible attorney to help you. Our PPP loan fraud lawyers get it. At Spodek Law Group, we understand the gravity of your situation and believe you deserve a law firm that will protect your rights at every stage of your case. Our mission is simple: we want to get you the best possible legal outcome, and we take that responsibility very seriously. We’re known nationwide for providing the best possible defense in both state and federal cases, and we bring that same commitment to every single client.
Understanding PPP and EIDL Fraud in Texas
With the CARES Act funneling billions of dollars into PPP (Paycheck Protection Program) and EIDL (Economic Injury Disaster Loan) initiatives, the federal government is now focused on prosecuting fraud. If prosecutors—or agencies like the DOJ, SBA, or FBI—believe you created false documents, or misused COVID-19 relief funds, you could face MANY different simultaneous federal charges like:
- Bank Fraud (18 U.S.C. § 1344)
- Wire Fraud (18 U.S.C. § 1343)
- False Statements (18 U.S.C. § 1014)
- Conspiracy (18 U.S.C. § 371)
- False Claims Act Violations (31 U.S.C. §§ 3729–3733)
When federal allegations come, it’s normal to feel overwhelmed. At Spodek Law Group, we get it. We’ve spent years defending clients in highly complex, high-stakes matters across the USA—especially here in Texas—so we appreciate how critical it is to have the right legal team. Our attorneys have over 50 years of combined experience fighting for people just like you, and we leverage that experience every single day to help our clients walk away with the best results possible.
Federal Jurisdiction: Why It Matters So Much
Federal crimes typically carry heavier sentences, there’s less room for negotiation due to mandatory minimum sentencing guidelines – and usually come with DEEP prosecutorial resources. The U.S. Sentencing Guidelines (18 U.S.C. § 3553) look at the alleged loss amount, your role in the offense, prior criminal history, and other aggravating or mitigating circumstances. For PPP or EIDL loan fraud, every detail can shape the court’s perspective and your future. We GET how terrifying that can be, and we want you to know – we’re here to deal with it. We evaluate whether there were flaws in how the government gathered its evidence, whether a valid Fourth Amendment defense exists, or if possible Fifth Amendment concerns (self-incrimination, double jeopardy) should be raised—especially if you’re dealing with multiple investigative agencies (federal and state).
Potential Defense Strategies
At Spodek Law Group, we realize every PPP or EIDL fraud case is unique. We do not employ a cookie cutter strategy. Everything we do is customized for you. Here are a few scenarios we see frequently in Texas—and the defense strategies we might bring to the table:
1. You Overstated Payroll to Save Your Texas Business
If you’re a Dallas-area business owner who inflated payroll records on a PPP application, it’s possible federal prosecutors will charge you with making false statements (18 U.S.C. § 1014). In this scenario, we’d argue there was absolutely no intent to defraud the government: you were trying to keep employees on payroll during a crisis, and you misread or misunderstood the SBA’s rules. Many people know that the SBA rules kept changing during COVID. Our law firm will file motions to dismiss if the government can’t prove willful fraud, or we’d negotiate a favorable resolution by demonstrating the environment surrounding the program’s rollout and how confusing it was.
2. You Have Multiple LLCs and Applied for Multiple Loans
We’ve seen clients in Houston who own multiple businesses under separate LLCs—each with its own staff and operating costs—accused of “double-dipping” on PPP or EIDL. Prosecutors could try, and push conspiracy (18 U.S.C. § 371) or bank fraud (18 U.S.C. § 1344) charges. Our approach is simple yet specific: we highlight corporate structures, payroll records, and good-faith reliance on the CARES Act – as it was communicated at the time of the PPP loan being issued. If you truly believed each LLC was independently eligible, we can build a defense showing there was no fraudulent intent.
3. You Pivoted Your Company—And Now Face EIDL Misuse Allegations
Imagine an Austin-based company that pivoted to a new industry and used EIDL funds for marketing or overhead. Suddenly you’re under the DOJ’s microscope for alleged misuse of funds. Our defense emphasizes how the SBA’s own guidelines defined “operational expenses.” We’d argue you used funds exactly as needed to keep your business afloat, and we’d reference the SBA SOPs (Standard Operating Procedures) for specific details and information. When the government can’t show you knowingly misused funds, it cripples their case and results in a dismissal.
4. Conspiracy Accusations Between Partners
Two business partners in San Antonio might face conspiracy charges if prosecutors believe they “agreed” to defraud lenders or the SBA. We’d look for evidence that one partner acted alone, forging documents or signatures, or used partial truths to mislead you. We’d file pre-trial motions to suppress illegally obtained evidence or confessions. Our aim is straightforward: destroy the government’s narrative that there was a “meeting of the minds” by attacking each pillar of their case.
Our Approach: It’s All About the Details
At Spodek Law Group, we care about every detail of your case—because we understand how one overlooked piece of evidence can change your entire future. We’re a second-generation law firm that embraces cutting-edge technology to manage your defense. Our digital portal gives you 24/7 access to your case documents, allowing for total transparency. This means you can see the motions we file, the evidence we review, and the legal strategies we develop in real-time.
We also appreciate that PPP/EIDL fraud charges are about more than just numbers. They’re about your reputation, your livelihood, and your family’s well-being. We see the bigger picture, and we’re relentless in protecting it. Many other law firms might not take this level of care; they might try to push for a quick plea. At Spodek Law Group, we aren’t afraid to fight aggressively in court if it means getting a better outcome for you. Our loyalty is to you, period. We don’t worry about stepping on the toes of prosecutors or judges if it means securing a result that changes your life.
Legal Citations and References: The Backbone of a Strong Defense
The government will rely on specific statutes to prosecute EIDL and PPP loan fraud.
Bank Fraud (18 U.S.C. § 1344): We know the government has to prove intent to defraud a financial institution. If you acted in good faith—or relied on ambiguous SBA guidance—we can dismantle their “intent” argument.
Wire Fraud (18 U.S.C. § 1343): Prosecutors typically rely on showing you used interstate communications to advance a fraudulent scheme. We explore every angle, from questioning the alleged “scheme” itself to challenging the interstate nexus.
False Claims Act (31 U.S.C. §§ 3729–3733): The government will allege you knowingly submitted a false claim for PPP/EIDL funds, and when this happens we push them to show actual knowledge. If your application was based on evolving SBA guidelines, the “knowing” element can crumble quickly.
Double Jeopardy & Dual Sovereignty: If Texas state authorities also investigate you, we gauge whether their charges overlap with the federal ones. Although dual sovereignty often allows both prosecutions, sometimes we can leverage this tension to your advantage.
Sentencing Guidelines and Why They Matter
Federal sentencing can be harsh, often influenced by the alleged loss amount and whether you played a leading role. Judges consider 18 U.S.C. § 3553 and the U.S. Sentencing Guidelines to calculate potential prison time and fines. We never let the government inflate the numbers without challenge. Our attorneys rely on forensic accountants, expert witnesses, and an exhaustive review of business records to ensure the court sees your situation correctly—and doesn’t slap you with an unfairly high offense level.
Spodek Law Group’s Philosophy
Our criminal defense law firm stands out because we focus on a hand-picked curated group of clients, ensuring we can dedicate ourselves 100% to each case. We don’t take on everyone who calls—only those we believe we can truly help. This approach lets us give you the personalized attention and nuanced strategies that lead to real success stories.
When you call us, we begin with a risk-free consultation, either in person or over the phone. We encourage you to ask anything—no question is off-limits. You’ll see our commitment to transparency from the start: we break down legal fees upfront, explain potential defenses, and outline what you can expect at each stage of the process. We don’t make promises we can’t keep. Instead, we make a genuine, unyielding pledge to do everything possible to get you the best outcome—because we know your future is at stake.
Your Next Step: Let’s Start Defending You
If you’re being investigated, have received a target letter, or have already been indicted for PPP or EIDL loan fraud in Texas, waiting is not an option. Federal cases move quickly, and the longer you wait, the harder it becomes to put together a robust defense. At Spodek Law Group, we have the experience, the resources, and the unrelenting determination required to help you move forward.
Contact us immediately. We’re available 24/7 to talk about your situation. Let us show you why we’re recognized as a premier federal defense law firm, and let us put our 50+ years of combined experience to work for you. When you choose Spodek Law Group, you’re getting a team that fights for you, protects your rights, and never backs down—because your life is on the line, and we take that personally.
We look forward to hearing your story and helping you chart a path toward vindication. Call us now—don’t let the government write your future for you. Together, we can take the first step in reclaiming control of your life and securing the best possible outcome for your PPP or EIDL fraud case.