Miami PPP Fraud Attorney

Fighting Paycheck Protection Program Fraud Charges

Allegations of Paycheck Protection Program (PPP) fraud have led to aggressive federal investigations and prosecutions nationwide. If you are facing accusations, you are not alone—many business owners and individuals have found themselves entangled in complex legal battles over loan applications and fund usage. The federal government devotes substantial resources to prosecuting PPP fraud, making it essential to have an experienced legal advocate in your corner.

Attorney Michael Mirer, a former Miami-Dade prosecutor with over two decades of trial experience, knows how the government builds its cases. At Law Office of Michael Mirer, P.A., we leverage extensive legal knowledge and strategic defense tactics to challenge fraud allegations and fight for a favorable outcome. 

Call us at (800) 798-0243 or message us online for a consultation to discuss your case.

What Is PPP Fraud?

Congress introduced the PPP under the CARES Act to help businesses survive the economic hardship caused by the COVID-19 pandemic. This federal program provided forgivable loans for payroll, rent, utilities, and other essential business expenses. However, federal authorities have aggressively pursued individuals accused of fraudulently obtaining or misusing these funds.

Common allegations include:

• Submitting false information on loan applications, such as inflating payroll expenses or misrepresenting business status.
• Using loan proceeds for unauthorized personal expenses instead of business-related costs.
• Applying for multiple loans through different entities in violation of program rules.

Federal agencies continue scrutinizing PPP loan recipients, leading to audits, investigations, and criminal prosecutions. If federal investigators have contacted you, hiring a Miami PPP fraud attorney immediately is crucial.

Federal Charges Associated with PPP Fraud

The federal government has aggressively pursued criminal charges against individuals and organizations suspected of defrauding the PPP. Prosecutors typically bring multiple charges in these cases, leveraging various federal statutes to address different aspects of the fraudulent scheme.

PPP fraud cases often involve multiple federal charges, including:

• Wire fraud – Using electronic communications, such as emails or online banking, to fraudulently submit false information or receive loan funds.
• Conspiracy to commit fraud – Multiple individuals working together to obtain or distribute fraudulent PPP loans. Prosecutors may file conspiracy charges.
• Money laundering – Authorities examine financial transactions to determine whether funds were intentionally moved to conceal fraudulent activity.
• Bank fraud – Making false statements to financial institutions to obtain loans can result in severe federal charges.
• Unemployment insurance fraud – Falsely claiming unemployment benefits while receiving PPP funds.

Each charge carries significant legal consequences, requiring a strategic defense to challenge the government's case.

PPP fraud convictions can result in severe penalties, including:

• Substantial fines – Financial penalties vary based on the charges, the amount of money involved, and whether restitution is required.
• Prison sentences – Convictions for wire fraud, bank fraud, or conspiracy can lead to lengthy federal prison terms.
• Asset seizures and forfeitures – Prosecutors may seek to recover alleged fraudulently obtained funds, leading to financial and property loss.

Sentencing depends on various factors, including the defendant's intent, the total loan amount, and whether the accused has a prior criminal history. Early legal intervention is critical to mitigating potential consequences.

Who Investigates PPP Fraud?

Several federal agencies collaborate to investigate PPP fraud, using advanced forensic and intelligence-gathering techniques. 

These agencies include:

• The Federal Bureau of Investigation (FBI) – Conducts criminal investigations into financial fraud.
• The Small Business Administration (SBA) – Reviews loan applications and audits businesses for compliance.
• The U.S. Department of Justice (DOJ) – Prosecutes PPP fraud cases in federal court.
• The Internal Revenue Service (IRS) – Examines financial records and tax filings to uncover fraudulent claims.

Investigations involving document subpoenas, interviews, and financial audits can be extensive. Consulting a Miami Paycheck Protection Program fraud attorney is essential if you suspect you are under investigation.

Legal Defenses Against PPP Fraud Charges

A strong legal defense can impact the outcome of a PPP fraud case. 

Potential defenses include:

• Lack of intent – Fraud allegations can stem from unintentional errors in loan applications rather than deliberate wrongdoing.
• Insufficient evidence – The prosecution must prove fraud beyond a reasonable doubt, and weak or circumstantial evidence can be challenged.
• Duress or coercion – If another party pressured or misled the accused into fraudulent activity, this may serve as a defense.
• Procedural violations – If law enforcement failed to follow proper investigative procedures, evidence may be inadmissible in court.

Our firm thoroughly reviews every case to identify weaknesses in the prosecution's arguments and develop a tailored defense strategy.

Steps to Take If You Are Under Investigation or Charged

Being contacted by federal investigators regarding PPP fraud allegations can be an overwhelming and frightening experience. Understanding how to respond appropriately in these initial stages is critical to protecting your legal rights and mounting an effective defense.

If you have been contacted by federal authorities or charged with PPP fraud, take immediate action to protect your rights:

• Do not speak to investigators without legal counsel – Any statements made to federal agents can be used against you in court.
• Gather financial records – Retain documentation related to your PPP loan application, business expenses, and bank transactions.
• Contact an experienced PPP fraud defense lawyer – Legal representation is crucial to navigating federal investigations and building a strong defense.

Waiting to act can jeopardize your case. Seeking legal guidance is an effective safeguard for your future.

Contact Us for a Confidential Consultation

Attorney Michael Mirer brings extensive experience, having handled state and federal cases and tried over 100 cases in court. His in-depth knowledge of federal prosecution strategies allows him to build aggressive and strategic defenses for his clients.

Federal fraud investigations move quickly, and early intervention can impact the outcome of your case. By acting promptly, you gain the opportunity to challenge allegations, prevent charges from escalating, and protect your rights. 

Time is critical in federal cases—speak with our team to discuss your legal options. Call Law Office of Michael Mirer, P.A. at (800) 798-0243 or contact us online.