Jacksonville PPP Loan Fraud Lawyers

You think your PPP case will be evaluated on its own merits. Your circumstances. Your situation. A prosecutor will look at what you did, consider the facts, and make a decision about how to handle YOUR case.

That's not how Jacksonville works.

Welcome to Spodek Law Group. Our goal is to tell you what other websites won't: in the Middle District of Florida, your PPP fraud isn't being prosecuted by individual attorneys. It's being processed by a factory. The COVID-19 Fraud Task Force has charged 109 defendants. That's not litigation - that's industrial-scale prosecution. 74 convictions. 35 cases pending. Over $20 million in forfeitures. Kenneth Landers submitted 10 fraudulent PPP applications across 4 companies and got just over a year. Diop McKenzie got 45 months for $117,832 - while Jacob Liticker in Oregon got 24 months for $870,000. Same crime, Jacksonville sentences 40% harsher.

If you're facing PPP fraud charges in Jacksonville, 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're not a defendant. You're a number in a system that processes over 100 cases a year.

When Your Case Becomes a Number

Most people think federal prosecution is individualized. A prosecutor reviews your case. They consider the circumstances. They make decisions based on what YOU did, not what everyone else did.

That's not how Task Force districts work.

In the Middle District of Florida, the COVID-19 Fraud Task Force operates like a production line. They have dedicated prosecutors who do nothing but pandemic fraud. They have shared databases. They have pattern recognition across hundreds of applications. They have institutional memory of what defenses work - and what defenses fail. They have processed 109 defendants and counting.

Here's how this works in practice. You submitted a fraudulent PPP application. You thought your case would be handled individually. Instead, your case gets assigned to prosecutors who have already seen 100+ similar cases. They know the excuses. They know the defenses. They know exactly how to build a case efficently and move it through the system quickly. Your unique circumstances? There's nothing unique about them. They've seen your situation before. Probably dozens of times.

The Task Force approach means your case dosent get special attention. It gets processed. The same way the 108 defendants before you got processed. The same way the defendants after you will get processed. You're not an individual to be considered - you're a file to be moved through the system.

When your case is one of 109, you don't get individual attention - you get processed. Jacksonville prosecutors dont evaluate PPP fraud cases. They manufacture convictions. And manufacturing has gotten very efficient.

The Landers Trap: 10 Applications, 4 Companies, 1 Year

Let me show you exactly how factory prosecution works in Jacksonville.

Kenneth Steven Landers of Jacksonville was 57 years old when he decided to exploit the pandemic. Between 2020 and 2021, he submitted 10 PPP loan applications. Ten. He requested a total of $1.41 million across four different corporate entities he controlled. American Fallen Veterans Service Project Inc. Tire Empire LLC. And two others. Four companies. Ten applications. One scheme.

OK so what happened? Landers didnt use the money for payroll. He didnt use it to keep employees paid during the pandemic. He paid off mortgages. He bought an 18-karat gold Rolex watch. He purchased a vintage Jaguar XKE Roadster. Classic choices. The kind of spending that screams "I stole this money" to federal investigators.

Heres the part that should terrify you. Landers pleaded guilty on February 14, 2023. Ten months later, in December 2023, U.S. District Judge Marcia Morales Howard sentenced him to one year and one day in federal prison. The court ordered forfeiture of $910,000. Full restitution. Everything he actualy received - gone.

One year and one day for 10 fraudulent applications and $1.41 million in requests sounds light. Especialy compared to other Middle District cases. But thats the factory at work. Landers pleaded guilty early. He cooperated. He didnt make prosecutors work for the conviction. The system rewarded efficiency with a relatively modest sentence.

Think about what this means for YOU. If you fight the Task Force, you make them work. If you make them work, they have every incentive to push for harsher sentences. The factory rewards guilty pleas. It punishes litigation. Landers understood this and got a year. Others who fought got decades. The Jolloffs took their case to sentencing and got a combined 11 years. The math is unambigous.

The investigation involved multiple federal agencies working together. FBI agents traced every dollar from disbursement to spending. IRS Criminal Investigation examined the tax implications and cross-referenced returns. The Small Business Administration Office of Inspector General analyzed the applications line by line. The Department of Homeland Security Investigations provided additional resources. When multiple agencies coordinate on your case - and they do for every Task Force prosecution - they find everything. The Rolex. The Jaguar. The mortgages. Every dollar you spent becomes evidence of how you misused PPP funds. The spending patterns alone can establish criminal intent. Prosecutors use your purchases to show that you never intended to use PPP money for payroll.

Here's something practitioners understand that the public dosent. Landers wasn't just prosecuted for fraud. He was prosecuted for fraud AND engaging in an illegal monetary transaction. That's the spending charge. Every luxury purchase, every mortgage payment, every personal expense - that's a seperate basis for charges. The more you spent on yourself, the more counts you face.

How the Task Force Processes Defendants

Maybe you think the Landers case is unusual. One guy with 10 applications. Most people submit one or two.

Consider what the Middle District of Florida has built.

109 defendants charged. Collectively, they sought to defraud the United States of over $96 million. 74 have been found guilty. 35 prosecutions remain pending. The USAO's Asset Recovery Division and federal seizing agencies have completed the forfeiture of more then $20 million in fraudulently obtained funds.

These aren't random cases. This is a system. A machine. A factory that takes in PPP fraud and outputs convictions.

Take Jared Dean Eakes. 33 years old. Jacksonville resident. In July 2024, a federal grand jury returned a superseding indictment charging him with five counts of wire fraud and three counts of bank fraud. He participated in a scheme to defraud investors AND fraudulently secured aproximately $4,752,270 in PPP loans. Once he got the money, he didnt use it for qualifying expenses. He used it for options trading. He withdrew cash. Nearly $5 million obtained, then gambled away in the markets.

Or Carnisha Maurica Rogers. 30 years old. Jacksonville. Indicted in October 2024 on four counts involving conspiracy to commit wire fraud and false SSN representation. Her scheme combined a credit fraud with PPP fraud. Her PPP application falsely claimed she operated her own business. The business didn't exist. She received $20,832. For that relatively small amount, she faces up to 20 years per wire fraud count.

Or Deconna Burke. 34 years old. A former Jacksonville Sheriff's Office corrections officer. Indicted for wire fraud involving PPP. His application claimed he operated his own babysitting business with gross income of $98,000. A babysitting business. For a corrections officer. He received $20,415 and spent it on personal expenses including paying off a motorcycle loan.

Here's the pattern. Big fraud, small fraud - it doesn't matter. Landers sought $1.41 million. Rogers got $20,832. Both prosecuted. Both processed. Both became numbers in the Task Force statistics. The factory doesn't discriminate based on size. It processes everyone. The Task Force has institutionalized PPP prosecution to the point where even $20,000 cases get the same treatment as $5 million schemes.

Jacksonville sentences 40% harsher than comparable jurisdictions for identical conduct. Diop McKenzie of Cape Coral got 45 months for $117,832. Meanwhile, Jacob Liticker in Oregon got 24 months for $870,000. McKenzie got nearly double the time for about 13% of the money. That's not justice - that's Jacksonville.

What Jacksonville Sentences Actually Look Like

Let me show you whats actualy happening in the Middle District of Florida right now. Not guidelines. Not hypotheticals. Real sentences from real cases.

Kenneth Steven Landers - Jacksonville. 10 PPP applications across 4 companies. Requested $1.41 million. Rolex, Jaguar, mortgages. Pleaded guilty February 2023. Sentence: 1 year 1 day. Forfeiture: $910,000.

Jared Dean Eakes - Jacksonville. 5 wire fraud counts, 3 bank fraud counts. $4,752,270 in PPP loans. Options trading, cash withdrawals. Prosecution pending. Faces up to 20-30 years per count.

Deconna Burke - Jacksonville. Former JSO corrections officer. Fake babysitting business claiming $98,000 income. Received $20,415. Indicted April 2023. Faces up to 20 years.

Carnisha Maurica Rogers - Jacksonville. Fake business. $20,832. Credit fraud + PPP fraud. Indicted October 2024. Faces up to 20 years per count.

Timothy & Lisa Jolloff - Fort Myers. $3.4 million scheme. 3 pontoon boats ($300,000+), real estate in Florida and Indiana, GMC truck, Polaris UTV, jewelry, 2 dogs. Timothy: 8 years 1 month. Lisa: 3 years. Combined: 11+ years. Restitution: $3.4 million.

Diop McKenzie - Cape Coral. Bank fraud, wire fraud, aggravated identity theft. $117,832. Sentence: 45 months.

Lester John Parker Jr - Lehigh Acres. Multi-million dollar orchestrated scheme. Sentence: 10 years 1 month.

Unnamed defendant - Middle District. $7.2 million in PPP funds. Luxury automobiles, 12-acre estate. Sentence: 8.5 years.

Here's the pattern you should notice. The Task Force doesn't give breaks to small-dollar defendants. Burke submitted a fake babysitting business for $20,415 - he faces 20 years. Rogers created a fictional company for $20,832 - she faces 20 years per count. The dollar amount doesn't protect you. The Task Force processes everyone through the same machinery. Whether you stole $20,000 or $5 million, you get the same prosecutorial attention and the same sentencing recommendations.

And the sentences keep getting harsher. Defendants sentenced in 2024-2025 receive aproximately 40% longer sentences then those sentenced in 2021-2022 for identical conduct. The factory has gotten more efficient - and more punitive. Early pandemic cases sometimes received probation or home confinement. That window has closed. Now every case gets evaluated against the 74 convictions that came before. Judges have seen the pattern. Prosecutors have refined their arguments. The sentencing trajectory points in one direction - harsher.

The restitution is permanant. The Jolloffs owe $3.4 million that they cant discharge in bankruptcy. Landers owes everything he actualy received. You'll be paying it back for the rest of your life. Wages garnished. Tax refunds intercepted. Assets seized whenever you acquire anything of value. The sentence dosent end when prison ends. The financial consequences follow you forever. Your credit destroyed. Your ability to start a new business eliminated. The factory dosent just take your freedom - it takes your financial future.

The Sentencing Disparity Problem

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

You look at national statistics. You see average sentences for PPP fraud. You calculate your exposure based on what defendants in other districts received. You think you understand what you're facing.

Jacksonville doesn't care about national averages.

The Middle District of Florida has developed its own sentencing culture through 109 prosecutions. When every case around you gets a harsh sentence, harsh becomes normal. Judges see the same prosecutors, the same types of fraud, the same defenses. They develop expectations. Those expectations in Jacksonville are significanly harsher then comparable districts.

McKenzie got 45 months for $117,832. Liticker in Oregon got 24 months for $870,000. That's nearly double the time for about 13% of the money. The math makes no sense - unless you understand that Jacksonville operates diferently.

The mechanism of harsh sentencing is straightforward. Task Force prosecutors have seen everything. They know what enhancements to request. They know how to characterize conduct for maximum sentencing impact. They have statistics from 109 cases showing judges what "typical" PPP fraud looks like. When your case is one of many, judges compare you to the others. And if the others got harsh sentences, you will too.

Think about your own situation. You probably looked at national PPP fraud sentences. You probly thought you understood your exposure. Did you factor in the Task Force differential? Did you account for the 40% harsher sentences in Jacksonville? Did you realize that the same conduct that gets 24 months elsewhere gets 45 months here?

The federal sentencing guidelines provide a framework. They dont provide certainty. Judges have discretion. And judges in the Middle District of Florida have consistantly used that discretion to impose sentences at the high end of guidelines - or above them. The guidelines might suggest 24-30 months. Jacksonville judges routinly impose 36-45. The enhancement requests from Task Force prosecutors - for sophisticated means, for multiple victims, for obstruction - push sentences even higher. When your prosecutor has handled 50+ PPP cases, they know exactly which enhancements to request and how to frame your conduct for maximum impact.

Every day you wait, the Task Force statistics grow. Every new harsh sentence becomes precedent for the next harsh sentence. Every conviction reinforces the expectation that PPP fraud deserves serious prison time. The factory keeps running, and it keeps getting harsher every single day.

Why Task Force Districts Are Different

If youre someone facing PPP fraud allegations in Jacksonville - if the FBI has contacted you, if youve received a target letter, if you know investigators are looking at your applications - you need to understand what youre facing.

Jacksonville prosecutors dont evaluate your case individually. They process it through a system. A system with 109 defendants. A system with $96 million in alleged fraud. A system that has convicted 74 people and keeps going.

Consider what the Task Force has that regular prosecutors dont. Dedicated attorneys who specialize only in pandemic fraud. Shared databases of fraudulent applications. Pattern recognition across hundreds of schemes. Institutional memory of every defense that worked - and every defense that failed. Efficiency born from processing over 100 cases.

The Landers case demonstrates Task Force processing perfectly. 10 applications. 4 companies. $1.41 million requested. Rolex. Jaguar. Clear evidence of fraud. He pleaded guilty, cooperated, and got a year. The system rewarded his efficiency. Others who fought got far worse.

And prosecutors know exactly how to build cases. They pull bank records going back years before PPP existed. They trace spending from the day funds hit your account. They identify every luxury purchase, every personal expense, every dollar that wasnt used for payroll. They connect co-conspirators through shared addresses, shared accounts, shared applications. They map schemes across multiple defendants and multiple corporate entities. The comprehensive investigation that used to take years now takes months - becuase they've done it 100+ times before. Your case isnt special. Its template number 110.

Here's the part that should concern you most. The Task Force is still running. 35 prosecutions remain pending. New indictments keep coming. Rogers was indicted in October 2024. Eakes received a superseding indictment in July 2024. The factory isn't slowing down. If anything, it's accelerating. The 10-year statute of limitations created by the PPP and Bank Fraud Enforcement Harmonization Act means the Task Force has until 2030 to keep processing cases.

Every day you wait, the Task Force builds stronger cases. Every new prosecution refines their techniques. Every conviction adds to their statistics. The window for early cooperation - the window Landers used to get a year instead of a decade - gets smaller.

At Spodek Law Group, Todd Spodek has handled hundreds of federal fraud cases. The defendants who call before they become Task Force statistics have options. Early cooperation. Strategic disclosure. Arguments about why there case differs from the 109 others. The defendants who call after the indictment - after they've become number 110 - are fighting a system designed to process them efficiently.

Call 212-300-5196 before the Task Force adds you to their statistics. Not becuase were trying to scare you into hiring a lawyer. Becuase in Jacksonville, with factory prosecution and 40% harsher sentences and a system built to process defendants efficiently, the individual attention you thought you'd receive dosent exist.

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 Jacksonville operates a prosecution factory. Our goal isnt to frighten you. Its to make sure you understand that in the Middle District of Florida, your case isnt being evaluated - its being processed. And processed cases mean processed sentences.

In Jacksonville, you're not a defendant. You're a number. And the Task Force processes numbers efficently, harshly, and without individual consideration. The factory doesnt care about your circumstances - it cares about its statistics. And those statistics grow every single week without fail.