Accused of Fraud in New Jersey? We Build Strategic, Fact-Based Defense

Fraud charges can carry serious consequences—prison time, restitution, asset forfeiture, and lifelong damage to your professional reputation. In New Jersey, fraud is aggressively prosecuted, especially when the case involves financial institutions, government benefits, or elderly victims. Even nonviolent fraud charges are treated as indictable offenses.

At Ratliff Jackson LLP, we defend clients accused of complex fraud crimes in Cherry Hill, Camden County, and throughout South Jersey. We represent individuals, small business owners, and professionals facing both state and federal investigations. Whether you’ve been arrested, indicted, or contacted by investigators, we act fast to protect your rights and dismantle the prosecution’s case.

Types of Fraud Cases We Defend

Our firm handles a wide range of criminal fraud charges, including:

• Insurance fraud (N.J.S.A. 2C:21-4.6)
• Credit card fraud and access device fraud
• Wire fraud, mail fraud, and bank fraud
• Unemployment or public benefit fraud
• Healthcare billing or Medicaid fraud
• Real estate fraud and deed forgery
• Securities fraud or Ponzi schemes
• Identity theft and impersonation
• Mortgage or loan application fraud
• Business misrepresentation or financial misconduct

We defend clients in both state Superior Court and U.S. District Court (District of New Jersey) depending on the scope of the charges.

Understanding Fraud Charges in New Jersey

Fraud in New Jersey typically involves allegations of misrepresentation, deception, or omission that caused someone else to lose money or property. Most fraud charges fall under third-degree or second-degree indictable offenses. Penalties may include:

• 3–10 years in prison depending on the degree
• Heavy fines and restitution
• Permanent criminal record (non-expungeable for public office holders)
• Civil liability or professional licensure impact

The state must prove that you knowingly engaged in deception with the intent to defraud. That’s where we build our defense.

Fraud Defense Strategies That Work

We build fact-driven defenses that challenge the prosecution’s assumptions and evidence. Our approach includes:

• Attacking intent: Showing there was no deliberate deception
• Disputing value: Arguing over the amount or actual loss
• Procedural defenses: Suppressing illegally obtained evidence
• Negotiating reduced charges or diversion for first-time offenders
• Introducing expert testimony on valuation, accounting, or communications
• Exposing flaws in witness credibility or documentation

In white collar cases, early document review and digital forensics can shift the case long before trial.

Fraud Investigations and Target Letters

If you’ve received a target letter from the U.S. Attorney’s Office or the New Jersey Office of Insurance Fraud Prosecutor, it means you are under formal investigation. Contact us before speaking to investigators or responding. We may be able to avoid indictment altogether through pre-charge negotiations.

We also represent witnesses subpoenaed to testify in grand jury proceedings or produce financial records.

Fraud Defense FAQs for South Jersey Clients

What is considered fraud under New Jersey law?
Fraud includes any act of deception intended to unlawfully obtain money, services, or property. This can include false statements, forged documents, or material omissions.

Can I be charged with fraud if I didn’t receive money?
Yes. Attempted fraud or participating in a scheme can result in charges even if no money changed hands. The law punishes intent and conduct—not just the outcome.

Is fraud a felony in New Jersey?
Yes. Fraud is an indictable offense. Most fraud charges are third- or second-degree crimes with penalties of 3–10 years in prison and thousands in restitution and fines.

Can I go to prison for unemployment or insurance fraud?
Yes. Benefit fraud is a criminal offense and often prosecuted by specialized agencies. Penalties include restitution, jail time, and loss of eligibility for future programs.

What if I’m being investigated but not charged?
Do not wait. Contact a criminal defense attorney immediately. We may be able to intervene with investigators, clarify misunderstandings, or prevent formal charges altogether.

Speak With a Cherry Hill Fraud Defense Attorney Today

Fraud charges threaten more than your freedom—they threaten your finances, professional licenses, and public reputation. At Ratliff Jackson LLP, we provide experienced, aggressive defense for fraud cases across Camden County, Burlington County, and Trenton.

Call (856) 209-3111 or email [email protected] to speak with a defense attorney today. We’ll review the allegations, protect your rights, and build a tailored legal strategy.