From Check Fraud to Identity Theft: The Wide Net of Fraud Charges in Georgia

Fraud is one of the most aggressively prosecuted categories of white-collar crime in Georgia. While many people think of fraud as a corporate-level scheme, the reality is that a wide range of everyday actions—some even unintentional—can lead to serious criminal charges. From passing a bad check to using someone else’s personal information, the state casts a wide legal net. If you’re facing fraud-related charges, it’s crucial to understand what you’re up against.

At The Spizman Firm, we’ve defended clients across Georgia in cases involving complex financial crimes. Below is a breakdown of common fraud offenses in Georgia, their potential penalties, and how you can defend yourself against them.

Common Types of Fraud in Georgia

1. Check Fraud

Under Georgia law, writing a check knowing there are insufficient funds in the account can lead to criminal charges. This offense is governed by O.C.G.A. § 16-9-20. While bouncing a check may seem like a minor issue, if prosecutors believe there was intent to defraud, it can lead to misdemeanor or felony charges depending on the amount.

2. Credit Card Fraud

Credit card fraud includes stealing, using, or forging credit cards or card numbers to make unauthorized purchases or withdrawals. Covered under O.C.G.A. § 16-9-33, this type of fraud can result in felony charges, with potential prison time of one to three years per offense.

3. Identity Theft

Identity theft occurs when someone uses another person’s identifying information without consent to obtain goods, services, or financial benefit. In Georgia, this falls under O.C.G.A. § 16-9-121. A conviction can lead to up to 10 years in prison and hefty fines, even for first-time offenders. Aggravated identity fraud involving children, elderly victims, or repeat offenses may bring even harsher penalties.

4. Forgery

Forgery involves altering, creating, or using false documents with the intent to defraud. This can apply to contracts, checks, prescriptions, or government forms. Forgery in the first or second degree is considered a felony in Georgia, with potential prison terms of up to 10 years.

5. Insurance and Government Fraud

Filing false claims for insurance, unemployment benefits, or other government programs can result in fraud charges. These offenses are often investigated by both state and federal authorities and may involve restitution, fines, and jail time.

The Importance of Intent in Fraud Cases

A critical component in fraud cases is the question of intent. Did you knowingly try to deceive someone, or was it an honest mistake? In some cases, a person may be charged with fraud due to a misunderstanding, accounting error, or lack of awareness about how their actions are classified under the law.

That’s why having an experienced criminal defense attorney is essential. Our Atlanta Fraud Defense Attorneys investigate the facts, analyze financial documents, and build a defense based on your unique circumstances. Whether we’re negotiating reduced charges, seeking dismissal, or representing you at trial, The Spizman Firm aims to protect your freedom and your future.

We proudly represent clients across Georgia, including Atlanta, Dunwoody, Alpharetta, Cobb County, Fulton County, Gwinnett County, Johns Creek, and Sandy Springs. If you’ve been charged with any type of fraud offense, contact The Spizman Firm today for a confidential consultation.