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You get a call from a federal agent—or maybe a letter arrives in the mail. Suddenly, you’re being accused of wire fraud, and you’re not even sure what that means. Did a business deal go wrong? Was it something you said in an email or a payment you processed online? These charges can be overwhelming, but you don’t have to figure it out on your own. At Van Elswyk Law, we’ll explain what wire fraud involves, what penalties you could face, and what steps to take if you’ve been charged.
What Is Wire Fraud?
Wire fraud happens when someone uses electronic communications to commit fraud. In simple terms, it’s any scheme to cheat someone out of money or property using phones, email, text messages, or even social media.
To be charged, there must be:
- An intent to deceive or trick someone
- Use of a wire communication (like a phone or the internet)
- A connection between the two
Here are a few common examples:
- Sending a fake invoice by email to collect money that isn’t owed
- Posing as a bank representative over the phone to get someone’s account information
- Running a fake investment scheme through a website or online ads
Wire fraud can occur in business transactions, personal matters, or even within larger organizations. Because it often crosses state lines, it’s often handled at the federal level. However, Florida also has its own wire fraud statute, which means you could face state charges depending on the details of the case. Whether the charge is federal or state, the penalties are serious and deserve immediate attention.
Penalties and Statute of Limitations
When wire fraud is charged under federal law, the penalties can be severe. In most cases, a conviction can lead to:
- Up to 20 years in federal prison
- Fines and restitution to victims
- Forfeiture of property connected to the crime
If the fraud involves a financial institution or affects disaster relief funds, the sentence can jump to up to 30 years in prison and a $1 million fine. The statute of limitations for wire fraud is generally five years. However, in certain cases—like those involving a financial institution—that period may extend to ten years.
It’s important to take these charges seriously, even if you think there’s been a misunderstanding.
What to Do If You’ve Been Charged
If you’ve been charged with wire fraud, the steps you take right away can make a big difference in how your case plays out. Here’s what we recommend:
- Don’t speak to investigators without a lawyer. Even if you think you’re helping yourself, statements can be used against you.
- Stay off social media. Posts, comments, and private messages can be used as evidence.
- Gather relevant information. Emails, messages, or business records could be helpful in building your defense.
- Contact a defense attorney who handles these types of charges. These cases are complex, and you don’t want to go through the process alone.
At Van Elswyk Law, we’ll guide you through each step and explain your options clearly. You’ll have someone in your corner who understands what’s at stake and how to approach your case.
Common Defense Strategies
Every case is different, but here are some of the defense approaches that may apply in wire fraud cases:
- Lack of intent: If there was no plan to deceive or defraud, the government may not have a strong case.
- Mistaken identity: Someone else may have used your phone, email, or account without your knowledge.
- Insufficient evidence: The prosecution must prove every element of the crime beyond a reasonable doubt.
- Entrapment: If law enforcement pushed or encouraged you to commit the crime, that may be a valid defense.
We take the time to understand your situation and look closely at the facts. If the case goes to trial, we’ll be ready to present a strong defense. In some situations, we may be able to negotiate reduced charges or even have the case dismissed.
Contact an Experienced Sarasota, Bradenton, and Tampa Wire Fraud Defense Attorney
Wire fraud charges are serious—but they don’t have to define your future. If you’re facing accusations, acting quickly and working with the right legal team can make all the difference. At Van Elswyk Law, we will help you understand the charges, review the evidence, and fight for the best possible outcome. Contact us today to schedule a confidential consultation.