Charlotte PPP Loan Fraud Lawyers

You hired a consultant to help with your PPP application. They said they knew the system. They said they could get you approved. They handled the paperwork. You paid their fee. You figured if anything went wrong, you could say you didnt know - the consultant handled everything.

That consultant is cooperating with federal prosecutors right now.

Welcome to Spodek Law Group. Our goal is to tell you what other websites won't: in Charlotte and the Western District of North Carolina, the consultants who helped people get fraudulent PPP loans are pleading guilty and providing client lists to prosecutors. Glynn Paul Hubbard Jr. collected $150,000 in fees while helping customers obtain $660,000 in fraudulent loans. Jeannetta Blackmon collected $300,000 in fees while helping customers get $1.2 million. Both pleaded guilty. Both know exactly which documents were falsified, which numbers were inflated, which tax returns were fabricated - because they created them.

If you're facing PPP fraud charges in Charlotte, if the FBI has contacted you about pandemic relief loans, if you've received a target letter from the U.S. Attorney's Office - you need to understand that the person you trusted with your application is now the government's best witness against you.

When Your Consultant Becomes a Witness

Most people think using a consultant provides protection. Someone else prepared the documents. Someone else submitted the application. If anything was wrong, how could you have known? The consultant handled everything.

That's not how Charlotte prosecutions work.

In the Western District of North Carolina, prosecutors have systematicaly targeted PPP consultants - the people who advertised on social media that they could help you get pandemic relief loans. When these consultants get caught, they face serious prison time. Wire fraud carries 20 years. Money laundering adds another 10. The only way to reduce that exposure is cooperation.

And cooperation means giving up client names.

Heres how this works in practice. A consultant gets arrested. Prosecutors offer a deal: provide information about your clients, testify against them, and we'll recommend a reduced sentence. The consultant has records. Payment receipts. Copies of applications. Communications about what information to include. They know exactly which documents were falsified because they created the falsifications. They know exactly which numbers were inflated because they chose the inflated numbers. They know everything.

If you paid a consultant to help with your PPP application, that consultant's records are now in prosecutors' hands. Every cash payment. Every CashApp transfer. Every check you wrote. Its all documented. And the person who documented it is now working with the government to identify everyone they helped.

The Hubbard Network: Social Media Marketing to Federal Prison

Let me show you exactly how consultant cooperation works in Charlotte.

Glynn Paul Hubbard Jr. of Charlotte was a businessman who saw an opportunity. In March 2020, when PPP launched, he started advertising on social media that he was a "PPP loan/EIDL consultant." He promoted his services through personal referrals. He built a customer base. He charged fees.

From March 2020 to August 2020, Hubbard submitted fraudulent PPP and EIDL applications. He falsified documents by including false financial information, fake employment data, and fraudulent tax returns. He didnt just commit fraud for himself - he obtained over $570,000 personally while helping customers receive over $660,000 in fraudulent disbursements. Total fraud: $1.2 million.

OK so heres what happened with his fees. Hubbard collected over $150,000 in improper loan preparer fees. But he was smart about it - or so he thought. He required customers to pay in cash, via cashier's checks, or through wire transfers. Why? To avoid detection. He knew paper trails were dangerous.

In January 2024, Hubbard pleaded guilty to wire fraud and money laundering. He now faces up to 20 years for the wire fraud and another 10 for the money laundering. His sentencing is pending.

Think about what prosecutors now have. Hubbard's customer list. His payment records - even the ones meant to avoid detection. His copies of fraudulent applications. His communications with clients about what information to include. Every person who paid him $500 or $1,000 or $5,000 for help is now potentialy identified in federal records. And Hubbard has every incentive to cooperate fully to reduce his sentence.

The customers who thought they were protected by using a consultant are now exposed. The consultant didnt provide protection - he created a detailed record of everyone he helped defraud the government.

How Charlotte Prosecutors Trace Consultant Clients

Maybe you think the Hubbard case is unusual. Maybe your consultant was more careful. Maybe theres no way prosecutors could trace the connection back to you.

Consider Jeannetta Blackmon.

Blackmon, also known as Jeannetta Regan, was 50 years old and ran multiple businesses in Charlotte: J Renee Enterprises, Jeannetta Renee Girls Talk, and Jrenee Investments. From April 2020 to November 2021, she operated a PPP fraud scheme that totaled over $1.5 million.

Blackmon obtained over $319,000 in fraudulent disaster relief funds for her own businesses. But thats not what made her valuable to prosecutors. She also prepared and submitted fraudulent applications for customers. Her customers received more than $1.2 million in relief funds. And Blackmon collected more than $300,000 in fees for her services.

Heres the pattern you should notice. Blackmon asked her clients to pay with checks or through money transfer apps. That creates records. Check images. Transaction histories. Account connections. When prosecutors seized her records, they didnt just find evidence of her fraud - they found a compleat client list with payment documentation proving exactly who paid her for fraudulent application services.

On July 25, 2023, Blackmon pleaded guilty to wire fraud and money laundering. In March 2025, she was sentenced to 30 months in federal prison plus two years of supervised release. She was ordered to pay $1,549,737 in restitution.

The person you trusted with your application knows exactly what documents were falsified - and they're cooperating to reduce their own sentence. Blackmon's 30-month sentence reflects her cooperation. The customers who paid her $300,000 in total fees are now potentialy facing there own prosecutions. The consultant relationship that was supposed to provide distance instead created documented connections.

What Charlotte Sentences Actually Look Like

Let me show you whats actualy happening in the Western District of North Carolina right now. Not guidelines. Not hypotheticals. Real sentences from real cases involving consultants and there clients.

Jeannetta Blackmon - Charlotte. $1.5 million fraud, $300K in customer fees. Sentence: 30 months. Restitution: $1,549,737.

Glynn Paul Hubbard Jr. - Charlotte. $1.2 million fraud, $150K in preparer fees. Social media marketing. Pleaded guilty January 2024. Sentencing pending. Faces up to 30 years.

Evan Agustin Perez - Charlotte. $720,000 fraud with co-conspirator. Sentence: 24 months. Restitution: $720,079.

Christopher Brown - Charlotte area. Large-scale fraud. Sentence: 60 months. Restitution: $2.1 million.

Amanda Davis - $1.15 million fraud. Sentence: 44 months.

James Williams - Falsified payroll documentation. Sentence: 34 months. Restitution: $625,000. Cooperated with investigation, received below-guidelines sentence.

Izzat & Tarik Freitekh - Father and son, Waxhaw. $1.7 million fraud across multiple restaurants. Convicted at trial. Father faces up to 30 years, son faces up to 10.

Heres the pattern in these sentences. Consultants who cooperate receive reduced sentences - Blackmon got 30 months for $1.5 million in fraud, which is relatively light given the amount. But there cooperation comes at a cost to there clients. Every consultant who pleads guilty and cooperates creates a list of potential new defendants. The Western District has prosecuted 28+ individuals for pandemic relief fraud. Many of those prosecutions started with consultant cooperation.

And the sentences keep getting harsher. Defendants sentenced in 2024-2025 receive aproximately 40% longer sentences then those sentenced earlier. The Freitekhs went to trial and face decades. Williams cooperated early and received below-guidelines treatment. The lesson is clear: early cooperation matters. But if your consultant has already cooperated, you may already be on a target list without knowing it.

The financial consequences are permanant. Perez owes $720,079. Brown owes $2.1 million. Blackmon owes over $1.5 million. These amounts cant be discharged in bankruptcy. Wages will be garnished for decades. Tax refunds intercepted forever. The sentence dosent end when prison ends. For defendants whose consultants exposed them, the financial burden will last a lifetime.

The Western District has prosecuted over 35 defendants in COVID fraud cases, resulting in almost $18 million in judgments and settlements. They've already collected over $5.5 million in assets. This isnt a small operation - its a systemtic effort to trace fraud from consultants to there clients and hold everyone accountable. The investigation methodology has gotten increasinly sophisticated as prosecutors have processed more consultant cooperation agreements and learned how to trace client connections through payment records and application files.

And the Freitekh case shows what happens when defendants fight. Izzat Freitekh, 55, and his son Tarik Freitekh, 33, of Waxhaw, went to trial. They were convicted of submitting fraudulent PPP applications for there restaurant businesses - La Shish Kabob, La Shish Kabob Catering, Green Apple Catering, and Aroma Packaging. They obtained $1.7 million by misrepresenting employees and payroll. The father now faces up to 30 years. The son faces up to 10. Compare that to defendants who cooperated early and received sentences in the 24-34 month range. The trial penalty in Charlotte is severe.

Heres something else practitioners understand about Western District prosecutions. The consultant cases often reveal broader networks. Hubbard didnt just help random individuals - he built a customer base through social media marketing. Those customers know each other. They referred friends. They talked about how to maximize loan amounts. When prosecutors unravel one consultant network, they often find connections between clients that suggest coordinated fraud schemes. What started as individual applications becomes evidence of conspiracy. And conspiracy charges carry there own severe penalties.

The Cooperation Cascade

Here's were most defendants make the mistake that costs them years.

You think because you used a consultant, theres distance between you and the fraud. You think you can claim ignorance. You think the consultant took all the risk.

Charlotte prosecutors have built cases specificaly designed to work backwards from consultants to clients.

The mechanism is straightforward. When a consultant like Hubbard or Blackmon gets arrested, prosecutors offer cooperation agreements. In exchange for reduced sentences, the consultant provides:

• Complete client lists
• Payment records showing who paid for services
• Copies of all applications prepared
• Communications discussing what information to falsify
• Testimony about what each client knew and approved

Each consultant arrest creates a cascade. Hubbard had dozens of customers. Blackmon had enough customers to collect $300,000 in fees. Every one of those customers is now potentialy a target. The consultant who was supposed to provide protection instead provided prosecutors with a ready-made defendant list.

Consider what happens in your specific situation. You paid a consultant - maybe $500, maybe $2,000, maybe $5,000. You figured if anything went wrong, you could say you didnt know the details. But the consultant has records showing you paid. The consultant has communications discussing your application. The consultant knows which numbers were inflated because you discussed it. And now the consultant is sitting in a room with federal prosecutors, reviewing there client files, identifying who to prosecute next.

The defense of "I didnt know" dosent work when prosecutors have testimony from the person who prepared your application saying you absolutly did know. The consultant who helped you commit fraud is now helping prosecutors convict you.

Think about whether you used any PPP assistance services. Did you pay someone to help with your application? Did you use a "consultant" you found on social media? Did someone help you prepare documents or submit forms? If so, that person's files may already be in federal custody. And your name may already be on a target list.

The cooperation process is remarkabley efficient. Prosecutors meet with the consultant, review there files, and identify the most promising targets. They prioritize clients who received the largest loans. They prioritize clients whose applications were most obviousely fraudulent. They prioritize clients who had direct communications with the consultant about falsifying information. Each cooperation session produces new names, new leads, new prosecutions. The cascade dosent stop until prosecutors have traced every connection.

And consultants have strong incentives to cooperate thoroughley. There sentences depend on how usefull there information proves. A consultant who provides superficial cooperation gets a modest reduction. A consultant who provides detailed testimony, helps prosecutors understand there clients intent, and assists with building cases receives substantialy better treatment. The more information they provide, the shorter there sentence. That means they have every reason to remember conversations, produce documents, and testify compellingley against the people who paid them for help.

Consider the payment methods consultants used. Hubbard required cash, cashier's checks, or wire transfers. Blackmon accepted checks and money transfer apps. These methods were supposed to provide some level of discretion. Instead, they created traceable records. Cashier's checks have purchase records. Wire transfers have bank documentation. Money transfer apps have complete transaction histories. The very methods meant to hide the consultant-client relationship ended up documenting it permanantly.

Theres another layer most people dont consider. Consultants often communicated with clients through text messages, emails, and social media direct messages. They discussed which numbers to inflate. They talked about which employees to fabricate. They coordinated stories about business operations. When prosecutors seize consultant phones and computers, they dont just find payment records - they find conversations. Your texts explaining what you needed. Your emails approving falsified documents. Your messages discussing how to maximize loan amounts. Those communications arnt just evidence - theyre confessions in your own words.

The investigative methodolgy in the Western District has evolved. Early prosecutions relied primarily on application inconsistencies - comparing PPP submissions to IRS records and finding discrepancies. Now prosecutors have consultant cooperation providing context for those inconsistencies. They know why the numbers dont match becuase the consultant explained how those numbers were created. The sophistication of there investigative approach means theres virtualy no defense strategy that dosent account for what your consultant has already told them.

Why Early Intervention Changes Everything

If your someone facing PPP fraud allegations in Charlotte - if the FBI has contacted you, if youve received a target letter, if you know your consultant has been arrested - you need to understand the cooperation timeline.

Charlotte prosecutors dont wait. When a consultant pleads guilty, client prosecutions often follow within months. The information flows quickly. Consultant files get reviewed. Client identities get confirmed. Target letters get sent. Indictments follow.

Consider what investigators have access to once a consultant cooperates. Every application the consultant prepared. Every document they falsified. Every communication about what information to include. Every payment record showing client connections. And testimony from someone willing to explain exactly what each client knew and when they knew it.

The Hubbard investigation is ongoing. His sentencing is pending. That means he has every incentive to continue cooperating, continue providing names, continue helping prosecutors build cases against his former customers. The Blackmon investigation already resulted in her 30-month sentence - a relatively light sentence that reflects her cooperation. Her clients should be concerned about what information she provided to earn that reduction.

And the statute of limitations gives prosecutors time. The PPP and Bank Fraud Enforcement Harmonization Act of 2022 extended the statute to 10 years. That means prosecutors have until 2030-2032 to pursue consultant clients. Theyre still investigating. Still reviewing records. Still building cases. If your consultant was arrested last year, your prosecution could come next year.

At Spodek Law Group, Todd Spodek has handled hundreds of federal fraud cases involving cooperating witnesses. The defendants who call before there names surface in consultant cooperation have options. Proactive disclosure. Strategic positioning. Arguments about what they actualy knew versus what the consultant claims. The defendants who call after the indictment - after there consultant has already testified against them - are fighting an uphill battle.

Call 212-300-5196 before your consultant's cooperation agreement names you as a target. Not becuase were trying to scare you into hiring a lawyer. Becuase in Charlotte, with consultant cooperation driving prosecutions and client lists becoming target lists, the person you paid for help is now the governments primary evidence against you.

Spodek Law Group. The Woolworth Building, 233 Broadway Suite 710, New York. We put this information on our website becuase most defendants have no idea that there consultant has already cooperated. Our goal isnt to frighten you. Its to make sure you understand that in the Western District of North Carolina, the consultant relationship that was supposed to protect you has exposed you instead.

In Charlotte, your consultant isnt your alibi - theyre your accuser. The person who prepared your fraudulent application knows every detail of what was falsified. And theyre telling prosecutors everything to reduce there own sentence. The help you paid for has become the evidence against you. Your consultant's cooperation means your prosecution could be next.