Possible penalties for Arizona fraud crimes can include a jail sentence for up to 10 years, hefty fines and restitution. If convicted of a fraud crime such as mortgage fraud, bank fraud, wire fraud or credit card fraud, the punishments handed down from a judge will usually vary depending on the amount stolen and the scope of the crime. In addition, first time offenders are almost always treated differently than individuals with past criminal records. Judges and prosecutors oftentimes show greater leniency towards first time offenders. When it comes to defendants with a history of involvement in white collar criminal offenses, judges and prosecutors may be extremely strict. Therefore, it is important for individuals with criminal records to consult with a Phoenix white collar crimes attorney if they think that they are under investigation or have been arrested for fraud.