Credit Card Fraud

Gloucester NJ Credit Card Fraud Lawyer

Theft and Fraud Defense Attorney in Camden County, New Jersey

New Jersey enacted its Credit Card Fraud Act to address criminal offenses related to the fraudulent use of credit cards, as well as other credit card-related offenses such as credit card theft. When charged with a violation of New Jersey’s Credit Card Fraud Act, contained in section N.J.S.A. 2C:21-6 of the New Jersey Criminal Code, you may be accused of making false statements to obtain a credit card; using a credit card knowing it was forged, revoked, or expired; representing yourself as a cardholder without authority; or allowing the improper use of cards to pay for goods or services. The circumstances of credit card fraud cases are highly variable; however, all of these charges are extremely serious and punishable by a term of imprisonment. When you are charged with credit card fraud in New Jersey, it is essential to have an experienced criminal defense lawyer defending your case.

William Fay is a highly skilled criminal defense attorney with years of experience defending clients charged with criminal and DWI offenses in South Jersey. Mr. Fay’s passion for criminal defense and unwavering dedication to his clients has allowed him to deliver thousands of superior results in courts. With his experience investigating and prosecuting cases as a Deputy Attorney General for the New Jersey Attorney General’s Office, Mr. Fay will exhaustively investigate your case and construct the best defense strategy. To discuss your current situation with Mr. Fay today, contact his offices at 609-832-3202 for a cost-free consultation.

Credit Card Fraud Lawyer in Pennsauken NJ

As mentioned above, N.J.S.A. 2C:21-6 addresses an array of offenses subsumed under the category of “Credit Card Fraud.” The following is an outline of these specific crimes and the penalties associated with each.

False Statement Made in Obtaining a Credit Card

If a person makes a false statement to obtain a credit card in New Jersey (N.J.S.A. 2C:21-6(b)), he or she can be charged with fourth degree credit card fraud. This offense is punishable by a fine of up to $10,000, as well as a sentence to serve up to 18 months in New Jersey State Prison.

Fraudulent Use of Credit Cards

According to N.J.S.A. 2C:21-6(d), if a person knowingly uses a counterfeit, fictitious, altered, forged, lost, stolen or fraudulently obtained credit card to obtain money, goods or services, or anything else of value, he or she can be charged with a violation of this section. This is considered a third degree crime in New Jersey, which entails a maximum fine of $15,000 and an NJ State Prison sentence ranging from 3 to 5 years. On the other hand, if the defendant has possession of a lost, misplaced, or mistakenly delivered credit card with the intent to use it, this is a fourth degree crime which may result in up to 18 months in prison and a $10,000 fine upon conviction.

Representing Cardholder Without Authority

If a person represents him or herself as a cardholder, or as someone who has authority to use a credit card, when he or she does not, to obtain goods or services or something else of value, this is considered a third degree crime in New Jersey, which is punishable by a maximum fine of $15,000 and 3 to 5 years in NJ State Prison.

Fraud Committed by the Provider of Money Goods or Services

Under N.J.S.A. 2C:21-6(e), business owners and operators can also be charged with credit card fraud. Essentially, if a store owner or another provider of goods or services knowingly allows a stolen, fraudulent, expired, or revoked card, or a card by an unauthorized cardholder, to be used in return for goods or services, he or she can be charged with a third degree crime and exposed to a maximum 5-year prison sentence and a fine of up to $15,000. In addition, if a seller of goods or services represents that such goods or services were provided when they, in fact, were not, this is a fourth degree crime, which may result in an 18-month term of incarceration and a $10,000 fine.

Contact Camden NJ Credit Card Fraud Lawyer Today

Clearly, the consequences of being convicted of credit card fraud are harsh and life-altering. If you or someone you love is facing these charges, or others for a theft or fraud offense in Camden County or elsewhere in South Jersey, you need an experienced and strategic defense attorney on your side. Contact our firm at 609-832-3202 for additional information and a cost-free consultation.


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"Excellent criminal defense lawyer"

"William handled a matter for me and exceeded my expectations. He was excellent in all areas of the law and achieved an outstanding result. Best of all,he demonstrates honesty and integrity. I would highly recommend William and already have."


testimonials reviews

"I was so scared and nervous about my legal situation but Mr. Fay did an outstanding job with my case!!! I was so relieved with the outcome and he worked so hard for me! He was so calm and understanding and I’m so grateful for him. Thank you so very much for helping me! I am so grateful appreciative."


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"All Charges Dropped & Expunged"

"William defended me in my marijuana + paraphernalia case, he had all charges dropped and expunged! Despite the fact I was long past conditional discharges/probation, etc. He has a sharp wit and a bright future ahead of him as an attorney. Thanks again Will!"


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"Fantastic Lawyer"

"Mr. Fay is a fantastic lawyer. He helped me during a very stressful time in my life. He was knowledgeable about my case and what my options were. He answered all my questions and was very reassuring. He was there waiting for me at the entrance on my court date and made me feel at ease. He worked with the prosecutor to reduce my charges. I got the best outcome I could have hoped for. I highly recommend Mr. Fay if you need a lawyer."


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"Marijuana Charges"

"I was arrested and summoned to court for possession of marijuana, even though I didn't have any on me. It was my first time getting in trouble and I was terrified and nervous. Mr. Fay came into court prepared and was extremely assuring. He made it very clear that he was going to fight for my case until the very end. He was extremely knowledgable about my case and the ways to resolve it. I would recommend Mr. Fay to anyone who has gotten into trouble."

former client

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"Excellent lawyer. Highly recommended."

"Mr. Fay is extremely caring and knowledgeable. He took the time to explain the entire process in a very clear manner and was a tremendous help during a stressful time. He was always available to take a phone call and really showed that he cared about me and my case. I highly recommend Mr. Fay as an attorney." "

former client

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"Highly recommend"

"Great lawyer. Created a best possible outcome for my case."

former client

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"Amazing job, explains very clearly"

"He did a fantastic job on my case, making my penalty much less than I thought it could possibly be. He clearly understands what he is doing and can explain everything in a way that anyone can understand. Any questions I had were answered very clearly and he listened to all small details of my case."

former client

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If you or someone you love has been charged with a criminal or DUI offense in New Jersey, finding the answers you need to make informed decisions is critical. Complete our contact form to request your free consultation or contact 609-832-3202

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