Fraud Lawyers in Toronto
Get Legal Representation From Trusted Fraud Defence Lawyers
Jonathan Pyzer and the experienced fraud defence lawyers at Pyzer Criminal Lawyers have over 20 years of experience defending fraud cases, including embezzlement, identity theft, and securities fraud. Our criminal lawyer team understands that these charges carry severe consequences, affecting both your personal life and professional future with potential jail time, significant fines, and lasting reputation damage.
Fraud cases often trigger immediate asset seizure and professional licence suspension before trial, whilst the Crown presents overwhelming financial evidence requiring expert analysis to successfully challenge. We work with forensic accountants to challenge financial evidence and demonstrate a lack of criminal intent.
With a 4.9-star Google rating and over 150 Google reviews, we’ve secured charge withdrawals even in cases involving millions of dollars.
Contact us at (416) 658-1818 now to speak with an experienced fraud defence lawyer.
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What is Fraud (According to the Canadian Criminal Code)?
The offence of fraud captures a wide range of behaviours. Most cases of fraud are set out under Section 380(1) of the Criminal Code of Canada. This section defines fraud as any act of deceit, falsehood, or other fraudulent means that defrauds the public or any person of property, money, valuable security, or service.
The section also distinguishes between indictable offences and those punishable under summary convictions based on the value of the subject matter of the offence. Critically, a conviction for fraud hinges on the presence of intent; the perpetrator must have intended to defraud or known that their actions could result in defrauding another party.
Moreover, under Canadian law, fraud does not require actual financial crime to occur. It can also lead to civil fraud claims in parallel litigation proceedings. The value of the amount defrauded plays a key role in determining whether the offence is treated as summary or as guilty of an indictable offence. If tried in Superior Court, a conviction can result in a significant term of imprisonment. This definition underpins the classification of fraud into two categories: (1) those involving testamentary instruments and fraud under $5,000 and (2) fraud over $5,000, where the amount allegedly defrauded dictates the severity of potential penalties. Understanding these distinctions is crucial for crafting an effective defence strategy.
What Are Some Examples of Fraud?
Fraud encompasses a variety of deceptive practices, each designed to unlawfully benefit the perpetrator at the expense of another. Common fraud cases, including white-collar crime, involve complex schemes such as insider trading or embezzlement. Many of these instances of fraud in Toronto involve both individual and corporate offenders.
Here are some examples of fraud. These examples demonstrate the diverse nature of fraudulent activities and how they can occur in various contexts.
- Corporate Fraud: Insider trading, stock fraud, Ponzi schemes, investment fraud.
- Financial Instrument Fraud: Credit card fraud, loan application fraud, bank fraud, mortgage fraud, money laundering.
- Insurance and Medical Fraud: Insurance fraud (including medical insurance fraud), medical fraud.
- Internet and Technology Fraud: Phishing, identity theft, online scams. These have become increasingly common with the rise of digital commerce, where fraudulent transactions and data breaches can cause widespread financial harm.
- Business and Tax Fraud: Asset fraud (hiding or misrepresenting assets, claiming illegitimate business costs), tax fraud.
- Employment Fraud: Misrepresenting qualifications or experience to gain employment.
- Inheritance Fraud: Forging wills, hiding assets, or misrepresenting beneficiary status in estate disputes.
- Real Estate Fraud: This includes mortgage fraud, title fraud, or misrepresentation during property sales or leasing transactions.
- Charity Fraud: This includes misusing donated funds, creating fake charities, or soliciting donations under false pretenses.
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The Role of a Criminal Lawyer in Fraud Cases
Fraud charges often involve years of financial transactions, hundreds of documents, and digital evidence that can overwhelm defendants. The Crown typically has forensic accountants, banking experts, and investigators building their case while you face potential asset seizure and career destruction. Without expert legal representation, you’re fighting a battle where the prosecution holds all the technical advantages.
A fraud defence lawyer challenges financial evidence by identifying calculation errors, questioning witness credibility, and demonstrating a lack of criminal intent. We work with forensic accountants to expose prosecution mistakes and present alternative explanations for financial discrepancies. Our focus is on proving reasonable doubt through expert testimony and procedural challenges.
At Pyzer Criminal Lawyers, we’ve successfully defended clients against embezzlement, securities fraud, and identity theft charges by challenging the Crown’s financial analysis and demonstrating our clients’ legitimate business activities.
Defending Against Fraud Charges in Toronto
Being an accused person in fraud-related charges does not mean a conviction is inevitable. In some cases, a strong defence can result in the withdrawal of charges, or prevent being found guilty of fraud altogether. If you’re facing fraud charges, a fraud lawyer in Toronto can be invaluable in navigating the legal process and potentially minimising the impact on your life. Here are some common defences we utilise when defending our clients.
Lack of Fraudulent Intent
A key element of fraud is the intent to deceive. If you can prove that you did not intend to deceive anyone, or lacked the knowledge or understanding of the fraudulent nature of your actions, this could be a strong defence.. For a conviction, the Crown must prove beyond a reasonable doubt that the accused intended to deceive or knew their actions could result in fraud. Without this intent, the fundamental basis for a fraud charge is undermined.
Additionally, courts often consider whether there was reckless disregard for the truth, known as willful blindness, as negating this defence. If you can, therefore, show that you took reasonable steps to verify the information, it can be pivotal in asserting that there was no fraudulent intent.
No Risk of Loss or Harm
For a fraud charge to stick, there needs to be an actual or potential loss to the victim. This is because most legal definitions of fraud require some form of actual or potential loss to the victim. This loss can be financial, property-related, or even intangible, such as a loss of opportunity. If you can convincingly prove there was no actual loss and no realistic potential for loss, this can be a strong defence against fraud charges.
Unlawful Search and Seizure
In fraud cases, the legality of evidence collection is paramount. If the evidence against you was obtained illegally, this could be excluded from the case, potentially weakening the prosecution’s case. For example, a criminal lawyer can argue that any evidence obtained without proper legal authority, or in violation of prescribed procedures, should not be used against the defendant.
Charter Rights Violations
The Canadian Charter of Rights and Freedoms guarantees certain fundamental rights and freedoms to all individuals in Canada, including those accused of crimes. Violations of these rights during the investigation or prosecution of a fraud case can indeed provide a strong defence. For example, if evidence is obtained in a manner that infringes upon any of the Charter rights such as unauthorised searches or denial of timely access to legal counsel, this can lead to arguments for excluding such evidence from trial.
Demonstrating that procedural rights were not respected highlights the importance of constitutional protections and can critically weaken the prosecution’s case, emphasising the necessity for lawful and fair conduct during criminal investigations.
Past Successes in Fraud Cases
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Essential Elements of a Fraud Conviction by the Crown
In Canadian criminal law, the offence of fraud requires the Crown to establish two key elements beyond a reasonable doubt: intentional deception and resulting deprivation. Each plays a crucial role in determining whether a fraud offence has occurred.
Intentional Deception (Dishonesty)
The first requirement is proving that the accused engaged in dishonest behaviour. This may involve knowingly deceiving others, manipulating information, abusing a position of trust, or concealing material facts. The central issue is intent; the actions must be deliberate and aimed at gaining an advantage or causing harm.
Resulting Loss or Harm (Deprivation)
The second element involves showing that the victim experienced a loss as a direct result of the fraudulent actions. This could be financial or otherwise tangible. The Crown must clearly demonstrate that the dishonesty led to real and measurable harm.
Legal Significance of Both Elements
Without both dishonesty and deprivation, a fraud conviction cannot stand. These elements serve as the foundation for the judicial process, guiding courts in both determining guilt and issuing appropriate sentences. The interpretation of fraud-related provisions has evolved through decisions made by the Supreme Court of Canada, which continues to shape how lower courts assess intent, deprivation, and evidentiary standards.
Penalties for a Fraud Conviction
The penalties for a fraud conviction in Canada vary significantly based on several factors, including the value of the fraudulently obtained goods or services, the complexity of the fraudulent scheme, and the degree of trust breached by the offender. Sentencing takes into account not only the direct impact on the victims but also the broader implications for community trust and the integrity of financial and corporate systems. If a breach of trust is involved, the offender could face a maximum penalty. In serious cases, the maximum sentence of 14 years applies, particularly when the fraud exceeds $1 million in value.
Penalties for Fraud Under $5,000.00
For fraud cases involving amounts under $5,000, the Crown has the discretion to proceed either by summary conviction or by indictment, which influences the severity of the potential penalties. If pursued by summary conviction, the accused may face up to two years less a day in prison, alongside possible fines and eligibility for alternative measures programs designed to avoid a criminal record.
Alternatively, if the Crown opts for an indictment, the maximum penalty can extend to two years in prison. Regardless of the approach, those convicted may also face additional consequences such as supervised release, restitution orders, restrictive bail conditions, and the acquisition of a criminal record, which could impact future employment and personal freedoms.
Penalties for Fraud Over $5,000.00
In cases of fraud over $5,000, the Crown must proceed by indictment, reflecting the severity associated with larger-scale frauds. Those convicted of fraud over $5,000 are punishable by a term of imprisonment of up to fourteen years. Compared to theft charges, the penalties for fraud can be far more severe due to the calculated nature of the offence.
Additionally, convicted individuals may face various prohibitions affecting their ability to seek or continue employment, particularly in roles involving financial responsibilities. Further consequences can include restitution to the victims, significant fines, restrictive bail conditions, and a criminal record, all of which have lasting impacts on the individual’s personal and professional life.
In some cases, particularly for first-time offenders, the court may impose probation instead of incarceration. This allows the individual to remain in the community under specific conditions, such as reporting to a probation officer, avoiding certain individuals or places, or attending counselling.
Aggravating Factors
When determining a suitable sentence for fraud, the court considers several aggravating factors as outlined in the Criminal Code. These factors include the magnitude, complexity, and duration of the fraudulent activity, which reflect the premeditation and sophistication of the scheme.
Additionally, the impact on the victims, particularly the emotional and financial distress caused, is heavily weighted. The court also evaluates the offender’s position of trust or authority and any abuse of this position to facilitate the fraud. While these are common aggravating factors, the specific weight given to each factor can vary depending on the circumstances of the case and the judge’s discretion.
Securing Bail When Charged With Fraud
Securing bail is a critical first step if you’re charged with fraud, highlighting the need for experienced legal representation from the outset. Upon arrest, it’s essential to exercise your right to counsel before speaking with the police, as this can significantly impact the bail process. A strong bail plan is essential early in the criminal process. Your hearing may take place in the Provincial Court or the Superior Court of Justice, depending on how the Crown proceeds with the case.
Depending on the circumstances, you may be released by police with conditions through an undertaking, or held for a bail hearing. If held, you are entitled to appear before a judge or justice of the peace within 24 hours. A criminal fraud lawyer can advocate for your release by presenting a strong bail plan, which may include sureties, individuals who agree to supervise you and ensure compliance with conditions.
Common bail conditions include reporting to a bail supervisor, no-contact orders, curfews, travel restrictions or no-contact orders involving the complainant or other witnesses. Under the Charter, everyone has the right not to be denied reasonable bail without just cause. This means most individuals charged with fraud are entitled to release unless the Crown can demonstrate strong grounds for detention.
If the Crown contests bail, a hearing will be held where the defence must effectively challenge their position. Securing bail not only prevents pre-trial custody but also enables better communication with legal counsel and preparation of a defence.
Seek Counsel from an Experienced Toronto Fraud Defence Lawyer
Fraud charges can destroy your career, freeze your assets, and result in years of imprisonment. The longer you wait to get legal help, the more evidence the Crown can gather against you. Every day without proper representation puts your freedom, finances, and reputation at greater risk.
Jonathan Pyzer and his team have successfully defended clients against embezzlement, securities fraud, and identity theft charges. We’ve secured charge withdrawals, reduced penalties, and protected clients’ professional licences even when facing millions in alleged damages. Our approach focuses on challenging financial evidence and demonstrating a lack of criminal intent.
Call (416) 658-1818 to schedule a consultation with an experienced fraud lawyer in Toronto. Don’t let fraud charges destroy your future.
Frequently Asked Questions
What is the difference between fraud and theft?
The primary distinction between fraud and theft lies in the element of deception. While both crimes involve unlawful enrichment, fraud is marked by the use of trickery and deceit, whereas theft is generally more straightforward in its unlawful appropriation of property. Theft involves the unlawful taking of property directly from another without consent and with the intent to permanently deprive the owner of it. In contrast, fraud is characterised by intentionally deceiving another party to achieve personal gain or to cause a loss, involving manipulation or misrepresentation to mislead the victim.
What are the bail conditions for fraud charges?
Bail conditions for fraud charges are typically set to ensure that the accused attends court proceedings and does not engage in further criminal activity. Depending on the nature of the fraud, common conditions may include:
- Avoiding contact with alleged victims or witnesses to prevent any potential intimidation or interference with the investigation,
- Being required to reside at a specific address or within a certain area,
- Being prohibited from engaging in certain activities, such as using credit cards or accessing specific financial systems, to prevent further illegal activities,
- Surrendering passports or other travel documents to limit mobility,
- Reporting regularly to the police to confirm their compliance with the bail conditions and to provide any necessary information or assistance to the investigation,
- Maintaining employment or a certain daily schedule.
These conditions are designed to mitigate the risk of reoffending and ensure compliance with the judicial process, tailored to the specifics of the individual case and the nature of the alleged fraud.
Can paying back the money affect the outcome of a fraud case?
Offering to pay back the money involved in a fraud case can sometimes influence the course of the legal proceedings. While restitution does not automatically negate the criminal charges, it may be considered by the court as a mitigating factor when determining sentencing. Restitution demonstrates the accused’s remorse and willingness to rectify the wrongdoing, which can be persuasive in negotiations for lesser charges or penalties. However, the effectiveness of this strategy depends on the specifics of the case and is best pursued under the guidance of an experienced criminal defence lawyer, who can effectively argue its impact on the legal outcome.
Don't Face Criminal Charges Alone
Criminal charges can have serious consequences for your freedom, reputation, and future. Get experienced legal representation from Toronto's trusted criminal defence lawyers. Contact us today at (416) 658-1818 to schedule your free consultation.
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