Access Device Fraud (Credit Card Fraud)

Serious Defense for Access Device Fraud Charges

Access device fraud is a felony in Pennsylvania and carries severe penalties, including lengthy prison terms and permanent damage to your reputation. Prosecutors treat these charges very seriously, often grouping them with theft and fraud allegations. At Sheridan Lawyers, we know that your future, freedom, and livelihood are at stake.

Our experienced defense attorneys represent clients accused of access device fraud in Chester County, Bucks County, Delaware County, and Montgomery County. We fight aggressively to challenge the evidence, protect your rights, and pursue the best outcome possible.

What Is Access Device Fraud in Pennsylvania?

Under Pennsylvania law, access device fraud occurs when someone uses or possesses an access device (such as a credit card, debit card, bank account information, or electronic payment credentials) with the intent to:

• Obtain money, goods, services, or anything of value without authorization

• Transfer funds or property illegally

• Possess or traffic in stolen, counterfeit, altered, or revoked access devices

Access devices include credit cards, debit cards, account numbers, PINs, or any electronic means of accessing financial accounts.

Penalties for Access Device Fraud

The severity of the penalties depends on the value of the goods or services obtained and the number of fraudulent acts:

• Felony of the third degree: Up to 7 years in prison and $15,000 in fines

• Felony of the second degree: For higher-value fraud or repeated offenses, up to 10 years in prison and $25,000 in fines

In addition to prison and fines, a conviction can result in:

• Permanent criminal record

• Restitution orders

• Difficulty obtaining employment, housing, and financial opportunities

How Sheridan Lawyers Fights Access Device Fraud Charges

We know that these cases often involve complex digital evidence. Our approach includes:

• Challenging whether you had the intent to commit fraud

• Investigating whether there was permission or authorization for the transaction

• Analyzing digital forensic evidence for flaws or gaps

• Questioning how law enforcement obtained the evidence and whether search and seizure laws were violated

• Negotiating for reduced charges or alternative programs when appropriate

If a case goes to trial, we prepare a thorough, aggressive defense to present to a jury.

Why You Need an Experienced Defense Lawyer Now

Access device fraud cases are technical and evidence-heavy. The moment you suspect you are being investigated—or if you’ve already been charged—contact an attorney immediately. Anything you say to law enforcement can be used against you.