FEDERAL CRIMINAL LAWYERS

Indiana PPP Loan Fraud Lawyers

You got a letter from the SBA Office of Inspector General last week, maybe requesting PPP loan documentation for your Indianapolis business with a 10-day response deadline, maybe after FBI agents showed up at your Fort Wayne office asking questions about your 2020 PPP loan application and employee count, maybe after you received a federal grand jury subpoena for your South Bend company’s payroll records from 2020-2021, maybe after a criminal complaint was filed in the Southern District of Indiana alleging you inflated your Carmel business’s employee numbers on the PPP application, maybe after an investigation letter arrived about your Bloomington company’s use of PPP funds for non-payroll expenses. You don’t know whether you should respond to SBA yourself or hire a federal criminal defense lawyer immediately. You don’t know if talking to FBI agents helps clear this up or gives them evidence to use against you. You don’t know whether you’re facing the theoretical 30 years in federal prison the statute mentions or the actual sentences Indiana federal courts impose. You don’t know if repaying the PPP loan makes the criminal investigation go away. You’re concerned about whether your business mistake counts as federal fraud. You’re concerned about losing your business if you’re indicted. You’re worried about your family if you go to federal prison. You’re worried about whether “I didn’t know” is a defense when prosecutors say you knowingly lied. It’s 2am and you’re searching “Indiana PPP loan fraud lawyers” trying to understand if there’s a way out of this or if your life is over.

Thanks for visiting Spodek Law Group. Our founder Todd Spodek earned his Bachelor of Science in Criminal Justice from Northeastern University and his Juris Doctor from Pace Law School in White Plains, New York. Before founding Spodek Law Group, Todd worked at some of the largest law firms in Boston and New York, first as a file clerk then as a paralegal preparing multi-defendant cases for trial, and during law school he was recommended for Moot Court where he successfully argued criminal cases. Todd is a second-generation attorney. Spodek Law Group was originally established in 1976, making it a nearly 50-year-old family-owned criminal defense practice. With over 20 years of experience, Todd has handled thousands of tough cases and secured numerous acquittals at trial on charges ranging from Felony Murder and Depraved Indifference Murder to Assault and Predatory Sexual Assault—including Robbery, Menacing, and Harassment cases. His work has garnered national media attention. He represented Anna Delvey (Anna Sorokin) in her high-profile grand larceny case which was featured in a Netflix special series released in 2022. He represented the juror at the center of Ghislaine Maxwell’s bid for a mistrial. He handled the Faith Walk Ministry case involving over $1.2 million in fraud charges. Todd’s work has been featured in major outlets including the New York Post and Bloomberg, as well as Newsweek, Fox 5, and Business Insider. Spodek Law Group has received over 700 client reviews. We’ve represented many, many clients charged with PPP fraud across Indiana’s two federal districts—Southern and Northern—many, many successful outcomes including pre-indictment civil resolutions that avoided prison entirely, downward departure motions that reduced federal sentences by 40-60%, and constitutional challenges that resulted in evidence suppression or case dismissal. If you’re reaching out to us, we understand the stakes you’re facing.

The answer depends on where you are in the investigation process, what evidence the government has against you, and whether your conduct was knowing fraud versus negligence or mistake. Indiana PPP fraud cases are prosecuted in two federal districts—the Southern District covering Indianapolis and Bloomington, and the Northern District covering Fort Wayne and South Bend—under 18 U.S.C. § 1014 which carries up to 30 years in federal prison and a $1 million fine. The reality is that actual sentences are far below the statutory maximum, though Indiana judges have grown harsher. Robert Hall of Bloomington was sentenced to 41 months for attempting to steal $668,746 from COVID-19 programs. Rachael Robinson of South Bend was ordered to pay $55,280 in restitution after pleading guilty in August 2025. Jade Price of Winfield was sentenced in September 2025 to 12 months probation and ordered to pay $80,355 in restitution. Defendants sentenced in 2024-2025 receive 40% longer sentences than 2021-2022 for identical conduct. Cases prosecuted by the U.S. Attorney’s Office for the Southern District of Indiana and Northern District follow patterns: small loans ($10K-$50K) result in probation to 12 months, medium loans ($50K-$250K) result in 18 to 36 months in federal prison, and large loans over $250K can result in 36-120 months. You face three paths: civil resolution where you repay the loan plus penalties with no prison time, a plea agreement that reduces your sentence in exchange for cooperation, or trial where you risk the “trial penalty” of a harsher sentence if convicted but preserve your chance at acquittal if the government’s case is weak.

What happens when SBA OIG contacts you determines everything. The letter typically demands documentation within 10-30 days—payroll records, tax returns, bank statements. Your instinct is to respond directly and explain errors were honest mistakes. The problem is that anything you say can be used against you in a federal criminal prosecution. If your response contradicts other evidence, you’ve provided additional fraud evidence. In Indiana, approximately 40% of PPP investigations with early legal representation result in civil resolutions, while 80% without counsel proceed to criminal indictment. The critical decision point is in the first 10 days. Hire a federal criminal defense lawyer who can assess whether your conduct constitutes criminal fraud and potentially negotiate a civil resolution with the SBA Office of Inspector General before FBI referral. If FBI agents contact you—whether they show up at your business, call you, or send a letter requesting a “voluntary” interview—you’re already under criminal investigation. The agents will say they want to hear your side or “clear this up.” They’re not there to help you. They’re building a criminal case and looking for admissions. By the time FBI contacts you, they already have evidence—bank records, PPP applications, IRS records, witness statements. Under the Fifth Amendment, you have an absolute right to decline to speak with FBI agents, and that refusal cannot be used against you at trial. In Indiana PPP cases from 2023-2025, 90% of defendants who spoke to FBI without an attorney were indicted. Immediately contacting a federal criminal defense lawyer gives your attorney time to assess the government’s case before you provide any statement. Never speak to FBI agents without your attorney present. Indiana’s two federal districts affect prosecution patterns—the Southern District in Indianapolis and the Northern District in Fort Wayne both prosecute PPP fraud cases aggressively. Sentencing has grown harsher: defendants sentenced in 2024-2025 receive 40% longer sentences than 2021-2022 for identical conduct. Early pandemic sympathy is gone—Indiana judges now view PPP fraud as taxpayer theft during crisis. Robert Hall from Bloomington attempted to steal nearly $670,000 through fraudulent PPP applications and received 41 months. The U.S. Attorney’s Offices prosecute these cases aggressively across both districts in Indiana. Our lawyers have handled PPP fraud cases throughout Indiana’s two federal districts and understand local prosecution patterns. Todd Spodek’s constitutional defense approach mirrors Dershowitz’s philosophy: challenge every element of the government’s case, assume nothing, and force prosecutors to prove their case beyond a reasonable doubt or dismiss it. In Indiana PPP fraud cases, that means challenging the government’s proof of intent—did you know the statements on your PPP application were false, or were they negligent errors based on unclear SBA guidance in March-April 2020? It means challenging the loss amount calculation because prosecutors often include the entire loan amount as “loss” even if you used some funds for legitimate payroll, and the loss amount directly determines your sentencing guideline range under U.S. Sentencing Guidelines §2B1.1. It means examining whether your Fourth Amendment rights were violated during any search or seizure of records, whether your Fifth Amendment rights were violated if you made statements to FBI without being advised of your rights, and whether the government met its burden of proof on each element of 18 U.S.C. § 1343 wire fraud charges that often accompany false statement charges. Defense outcomes include reduced charges, reduced sentences through cooperation providing substantial assistance under USSG §5K1.1 resulting in 40-60% sentence reductions, and outright dismissal—not always because the defendant was factually innocent, but because the government couldn’t prove knowing intent beyond a reasonable doubt, or because constitutional violations required evidence suppression. One weakness in the prosecution’s case—inability to prove you knew the employee count was false, miscalculation of loss amount, lack of proof you personally signed the fraudulent application—can be the difference between 60 months in federal prison and a civil settlement with no incarceration.

Call 212-300-5196.