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Credit Card Fraud

Lacey NJ Credit Card Fraud Lawyer

Theft or use of a credit card without the permission of its owner in Toms River, Lakewood, Lacey, Berkeley, Jackson or another Ocean County municipality results in a serious criminal offense. This charge is referred to as "credit card fraud" and is a felony that carries serious penalties. For this reason it is important that you retain an adept defense lawyer if you have been charged with using a credit card that was stolen, counterfeit or otherwise fraudulent. At Marshall & Bonus, the attorneys on our defense team include former county and municipal prosecutors in Ocean County that have successfully defended a myriad of individuals facing credit card charges. Our lawyers are well aware of those strategies that are effective in achieving favorable outcomes and will fight to insure that the very best outcome is achieved in your case. To speak to an attorney about your credit theft or fraud offense, contact our Toms River Office at (732) 286-6500.

Credit Card Fraud & Theft in Ocean County

The New Jersey Criminal Code contains a specific offense for forgery or theft involving credit card. This violation is set forth at N.J.S.A. 2C:21-6 and we presume that you were arrested or otherwise charged with this offense. This statute sets forth six varieties of credit card theft, two involving fraud someone in lawful possession of a credit card, two types of credit card fraud that may be committed by a provider or goods or services and a general provision for fraudulent use of a credit card. The chart that follows outlines each variety of credit card theft or fraud, along with the penalties that apply upon conviction.

Nature of Fraud or Theft


Max Fine

Prison Term

N.J.S.A. 2C:21-6(b): Making a False Statement or Misrepresenting Facts to Obtain a Credit Card.

N.J.S.A. 2C:21-6(c)(1): Taking the Credit Card of Another Person Without Their Consent or Selling or Transferring a Credit Card That You Know Is Stolen or Is Unauthorized.

N.J.S.A. 2C:21-6(c)(2): Retaining Possession of a Credit Card with the Intention to Use or Sell it Despite Knowing the it was Mislaid, Lost or Delivered By Mistake.

N.J.S.A. 2C:21-6(c)(3): Buying or Selling a Credit Card By Someone Other than the Issuer.

N.J.S.A. 2C:21-6(c)(4): Provider of Goods or Services or Other Entity Taking Control of a Credit Card With the Intention to Defraud.

N.J.S.A. 2C:21-6(c)(6): Signing a Credit Card Without Authorization.

N.J.S.A. 2C:21-6(g): Knowingly Receiving Goods, Services or Money on a Forged, Expired, Revoked or Otherwise Fraudulent Credit Card.

Fourth Degree


Up to 18 Months

N.J.S.A. 2C:21-6(c)(5): Making a Fake or Counterfeit Credit Card.

N.J.S.A. 2C:21-6(e)(1): Providing Goods, Services or Money on a Credit Card with Knowledge that it is Stolen, Fake, Unauthorized or Otherwise Involves Fraud.

N.J.S.A. 2C:21-6(e)(2): Presenting or Requesting Payment From an Issuer or Bank Knowing that the Related Goods or Services Were Not Provided.

N.J.S.A. 2C:21-6(f): Possession of Two or More Incomplete Credit Cards (e.g. Unsigned) With the Intention to Utilize Them Fraudulently.

N.J.S.A. 2C:21-6(h): Knowingly Using a  Counterfeit, Fictitious, Altered, Forged, Lost, Stolen or Fraudulently Obtained Credit Card.

Third Degree


Up to 5 Years

Brick Township Credit Card Theft & Fraud Attorneys

There clearly is a wide range of activities that fall under the heading of credit card fraud and theft under 2C:21-6. Each and every variety of violation is considered an indictable crime of the fourth degree or third degree that must be set to Toms River for handling despite occurring locally in Brick, Stafford, Manhawkin, Ocean Township, Waretown, Barnegat, Little Egg Harbor or another municipality. The attorneys at Marshall & Bonus have the experience you need to defend you against any pedigree of credit card fraud or allegations of use/possession of a stolen, counterfeit or forged credit card. An attorney who has handled many cases of this nature in the past will invest the time necessary to insure that you have every chance of averting a criminal record, jail and other penalties. To obtain a free initial consultation with a lawyer at our firm, call (732) 286-6500. Lawyers are available 24/7 to provide free consultation.

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