In Fort Collins and Larimer County, being accused of Fraud is more than just a legal issue. It’s a threat to your reputation, career, and freedom. In Colorado, Fraud crimes range from minor offenses to serious felonies with steep financial penalties and potential prison time. Whether you’re being investigated or already charged, it’s critical to understand what you’re facing and how a skilled criminal defense attorney can help you fight back.
What Is Fraud in Colorado? A Loveland Fraud Lawyer Explains
Fraud typically involves intentional deception to obtain money, property, services, or some other benefit. The key legal element is intent. The Larimer County DA must prove that you knowingly misrepresented a fact in order to gain something unlawfully. Fraud charges may be filed under state or federal law, depending on the circumstances. Many cases involve financial transactions, but Fraud can also include identity, insurance, real estate, or government benefits.
Common Types of Fraud Charges in Fort Collins, Colorado
Here are some of the most common fraud-related crimes we see in Fort Collins, Loveland, and Estes Park, Colorado:
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Identity Theft (C.R.S. § 18-5-902)
Using someone else’s personal information (like a Social Security number or credit card) without permission is a Class 4 felony, punishable by:
- 2 to 6 years in prison
- Up to $500,000 in fines
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Forgery (C.R.S. § 18-5-102)
Altering or creating a written document (such as checks, legal forms, or contracts) with the intent to defraud can be charged as a Class 5 or Class 6 felony.
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Check Fraud (C.R.S. § 18-5-205)
Writing bad checks or using closed accounts to make payments can lead to misdemeanor or felony charges depending on the amount.
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Insurance Fraud (C.R.S. § 18-5-211)
Providing false information to an insurance company—like faking an accident or inflating a claim—can be charged under several statutes and is often prosecuted aggressively.
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Tax Fraud
Failing to report income, falsifying deductions, or otherwise attempting to deceive the IRS or Colorado Department of Revenue can lead to both state and federal charges.
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Credit Card Fraud (C.R.S. § 18-5-705)
Using someone else’s credit or debit card without authorization is a serious offense and often includes additional charges like identity theft or theft.
Penalties for Fraud Crimes in Colorado
Fraud penalties depend on the type of Fraud, the amount of money involved, and whether it’s a first-time or repeat offense. Consequences can include:
- Jail or prison time (from 6 months to 12+ years)
- Heavy fines (up to $1 million in some federal cases)
- Restitution to victims
- Probation and community service
- A permanent criminal record
- Immigration consequences for non-citizens
In federal fraud cases, sentencing guidelines are often stricter and based on the financial loss to victims.
If you or someone you love has been charged with any type of Fraud, be smart, exercise your right to remain silent, and contact the best criminal defense attorneys from the O’Malley Law Office at 970-658-0007 to schedule a free initial consultation. Together, we can protect your future.