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Francesco Distefano's Objections to the PSR, Sentencing Submission and Request for a Below Guidelines Sentence

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Francesco Distefano's objections to the presentence investigation report, sentencing submission and request for a below guidelines sentence, No. 1:24-cr-00424, in the U.S. District Court for the Northern District of Illinois, dated February 24, 2026 and filed as Document #: 110. The submission asks for 48 months' incarceration followed by three years of supervised release. It objects to the role in the offense enhancement applied under U.S.S.G. § 3B1.1(c), arguing that neither the plea agreement nor the government's version supports a leadership role, and argues the acceptance of responsibility reduction should apply. It notes a proposed amendment to the economic loss table of U.S.S.G. § 2B1.1 published at 90 Fed. Reg. 59660 and states that using actual loss would yield a total offense level of 24 and a range of 51 to 63 months' imprisonment. The document is 33 pages.

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No. 1:24-cr-00424 · Doc. 110 · Docket on CourtListener

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  Case: 1:24-cr-00424 Document #: 110 Filed: 02/24/26 Page 1 of 33 PageID #:681




                    UNITED STATES DISTRICT COURT
                FOR THE NORTHERN DISTRICT OF ILLINOIS


UNITED STATES OF AMERICA,            )
                                     )
                  Plaintiff,         )
                                     )     Case No. 24 CR 424-1
                  -v-                )
                                     )     Honorable Jeremy C. Daniel
FRANCESCO DISTEFANO,                 )
                                     )
                  Defendant.         )



 FRANCESCO DISTEFANO’S OBJECTIONS TO THE PSR, SENTENCING
 SUBMISSION AND REQUEST FOR A BELOW GUIDELINES SENTENCE




Dated: February 24, 2026


                               FISHER LEVINE LAW GROUP, LLP
                               By: /s/Robert A. Fisher
                               Robert A. Fisher
                               20 South Clark St, Suite 700
                               Chicago, Illinois 60603
                               raf@fisherlevinelaw.com


                               LAW OFFICES OF JACQUELINE JACOBSON
                               By: /s/Jacqueline S. Jacobson
                               Jacqueline S. Jacobson
                               53 West Jackson, Suite 1332
                               Chicago, Illinois 60603
                               jackie.jacobson@jjdefense.com
    Case: 1:24-cr-00424 Document #: 110 Filed: 02/24/26 Page 2 of 33 PageID #:682




                                                 TABLE OF CONTENTS



Table of Contents............................................................................................................ i
Table of Authorities ....................................................................................................... ii

I. Introduction ........................................................................................................... 2

II. Corrections and Objections to the PSR
     A. Factual Concerns ............................................................................................... 4
     B. Guideline Calculations ....................................................................................... 6
          1. The Role in Offense Enhancement is not Supported by the Plea Agreement,
              the Government's Version, or The Evidence ................................................. 6
          2. Francesco Should Receive the Acceptance of Responsibility Reduction ....... 8

III. Conditions of Supervised Release ................................................................. 10

IV. Sentencing Memorandum
     A. Francesco's History and Characteristics ......................................................... 12
          1. A Difficult Childhood Marked by Family Instability, Loss, and
          Loneliness ........................................................................................................ 13
          2. The Offense Conduct and the Aftermath .................................................... 15
          3. Untreated Mental Health Issues ................................................................. 18
          4. Francesco’s Character Letters ..................................................................... 19
          5. Cooperation and Post-Offense Rehabilitation ............................................. 24
     B. The Nature and Circumstances of the Offense ............................................... 26
     C. The Need to Avoid Unwarranted Sentencing Disparities ............................... 28
     D. Deterrence and Just Punishment Goals Met by Sentence of 48 Months ....... 28

V. Conclusion ........................................................................................................... 29




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                                         TABLE OF AUTHORITIES

Cases
Gall v. United States, 552 U.S. 38 (2007)………………………………………….12
Pepper v. United States, 562 U.S. 476 (2011) ……………………………12, 25, 27
United States v. Booker, 543 U.S. 220 (2005) …………………………………….13
United States v. Adelson, 441 F. Supp. 2d 506 (S.D.N.Y. 2006) ……………… 13
United States v. Anderson, 259 F.3d 853 (7th Cir. 2001) ……………………….. 9
United States v. Banks, 55 F.4th 246 (3d Cir. 2022) …………………………….. 6
United States v. Faria, No. 12-cr-800 (N.D. Ill. 2016) …………………………. 27
United States v. Hill, 645 F.3d 900 (7th Cir. 2011 ……………………….......... 12
United States v. Johnson, 756 F.3d 532 (7th Cir. 2014) ………………………..10
United States v. Jordan, 435 F.3d 693 (7th Cir. 2006) ………………………… 12
United States v. Kappes, 782 F.3d 828 (7th Cir. 2015) …………………………11
United States v. Lallemand, 989 F.2d 936 (7th Cir. 1993) ……………………... 9
United States v. Ross, 475 F.3d 871 (7th Cir. 2007) …………………………….11
United States v. Russell, 81 F. 4th 726 (7th Cir.) ………………………………...10
United States v. Wachowiak, 496 F.3d 744 (7th Cir. 007)………………………24
United States v. Warner, 792 F.3d 847 (7th Cir. 2015) …………………… 12, 19
United States v. Young, 590 F.3d 467 (7th Cir. 2010) ………………………… 12

Statutes & Sentencing Guidelines
18 U.S.C. § 3553 ..................................................................................... 11, 12, 28
18 U.S.C. § 3553(a) .......................................................................... 10, 12, 25, 26
18 U.S.C. § 3553(a)(1) ..................................................................................12, 24
U.S.S.G. § 2B1.1 ...................................................................................................6
U.S.S.G. § 3B1.1(c) ...............................................................................................6
U.S.S.G. § 3B1.1, cmt. n.2 and n.4 ......................................................................7
U.S.S.G. § 3C1.1 ...................................................................................................8
U.S.S.G. § 3C1.1, cmt. n.4 …………………………………………………………… 9
U.S.S.G. § 3E1.1 .................................................................................................25
U.S.S.G. § 5K1.1 ............................................................................................9, 24
U.S.S.G. § 5H1.1 (Policy Statement)…………… ...............................................27
U.S.S.G. Appendix B Part III (May 3, 2025) ...................................................28




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Other Authorities


BOP Program Statement 5100.08 ...................................................................5, 6
Proposed Amendment to §2B1.1, 90 Fed. Reg. 59660 (Dec. 19, 2025) ..............6
Proposed New Adjustment §3E1.2, 90 Fed. Reg. 59660 (Dec. 19, 2025) .........25




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      Francesco DiStefano through his attorneys Robert Fisher and Jacqueline

Jacobson submits his Objections to the Presentence Investigation Report (PSR) and

his Sentencing Memorandum. Francesco requests a below guidelines sentence of 48

months’ incarceration, followed by a three year term of supervised release.

      Francesco Distefano is 29 years old. As a child he dreamt about being

successful and admired. Perhaps this was a reaction to the financial instability and

disruption in his family caused by his father’s long term unemployment, and his

grandmother’s death. Perhaps it was a way to deal with loneliness, persistent self-

doubt, and relentless bullying. Whatever the catalyst, Francesco was on the way to

realizing his dream before he even graduated from high school. During his sophomore

year, he created a company as part of a school project. When he was 19 years old, he

named the company DiStefano Enterprises. The company became so successful that

Francesco postponed attending college to run it.

      Unfortunately, Francesco suffered from long term and untreated mental

health issues that would begin to rear its ugly head in Francesco’s early twenties.

Poor decision making, compulsive lying, and the belief that his self-worth was

contingent on pleasing others contributed to a pattern of self-destructive behavior,

culminating in his guilty plea.

      Francesco accepts full responsibility for his conduct, makes no excuses for it,

and understands the serious harm he has caused. He asks only that the Court temper

punishment with mercy, as is permitted under 18 U.S.C. §3553, and give him a second

chance to continue to make amends for his conduct and rehabilitate himself.



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      Francesco has already begun this long journey. As the attached letters reveal,

Francesco has demonstrated sincere remorse and confronted the decision making

that contributed to his criminal conduct. Francesco has completed over 50 classes

while in pre-sentencing custody. He is also a general education development (GED)

teacher for other inmates and so far, he has helped at least six inmates obtain a GED.

Focusing on rehabilitation and helping others has been immensely gratifying to

Francesco. He feels a new sense of self-worth that is not based on being a “bigshot”

or people pleasing. Instead, Francesco has tapped into his positive character traits

that have been obscured by his criminal conduct.

      A below guidelines sentence of 48 months’ incarceration followed by three

years of supervised release promotes respect for the law in it that balances the

aggravating and mitigating factors in this case. It sufficiently reflects the seriousness

of the offense while recognizing Francesco’s mental health history. It is supported by

Francesco’s positive character traits, his cooperation, and his post-offense

rehabilitation. It provides Francesco with hope and a second chance which positively

impacts on his continued rehabilitation and his role as productive and law abiding

member of society.

   I. INTRODUCTION
      Francesco DiStefano pled guilty to one count of wire fraud, and to relevant

conduct, primarily involving loan fraud during the Covid 19 Pandemic. The total

intended loss caused by fraudulent conduct is $6,827,596, and the actual loss is

$3,368.900. Francesco personally received approximately $1.3 million in total fraud

proceeds. The government seized over $1.1 million dollars of assets, including

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$677,932 from Francesco’s bank account and 4 cars, which will go towards actual loss

(restitution).1 Francesco and co-defendant Sargis Urumieh are jointly liable for

restitution in the amount of $2,973.444 for the Encore bank loans. Of that amount,

Francesco personally received $1,143,930. The government did not seize any

remaining funds, cars, or properties from Urumieh, and Urumieh has retained

appointed counsel, suggesting that he decimated all the fraud proceeds he received.

As such, the funds seized from Francesco’s bank account and the sale of the cars will

be the only credits towards the joint and several restitution amount.

       The plea agreement calculated a total offense level of 26, yielding an advisory

guideline range of 63-78 months’ imprisonment. Probation calculated an offense level

of 31, yielding a higher advisory guideline range of 108-135 months imprisonment.

Using this range, Probation recommends a sentence of 84 months’ incarceration.

       Francesco objects to the increased range, and probation’s recommended

sentence. A sentence of 84 months’ incarceration range is far greater than necessary

to achieve the purposes of sentencing. For the reasons detailed below, Francesco

respectfully submits that a sentence of 48 months’ incarceration, followed by a three

year term of supervised release with substantial conditions is appropriate in this case

and meets the ends of justice.




1
 The United State Marshall’s service received total of about $270,855 after selling the four cars at
auction and taking out costs.

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   II. CORRECTIONS AND OBJECTIONS TO THE PSR

      A. Factual Concerns
      At the time the PSR was drafted, Francesco had an outstanding bench warrant

in DuPage County, Illinois, related to a case dismissed in October 2025. PSR ¶60.

That warrant his since been quashed and recalled. Ex. 1. Both PSR ¶60 and the cover

page of the PSR should be corrected to reflect that there are no outstanding detainers

or warrants against Francesco.

      The PSR mentions that the case agent “suspects” that Francesco continues to

earn dividends from prior unlawful activities. PSR ¶35. In a later paragraph, the PSR

says the case agent reported that some of these dividends “are likely” from merchant

accounts obtained without the customer’s knowledge. PSR ¶57. The PSR also

indicates that Francesco told Probation that he continues to receive between $5000

and $7000 monthly in residual income. PSR ¶109. Francesco’s bank statements

reflect that residuals received in December 2025 were $343.99, and in January 29,

2006, were $12.59. Ex. 2. Whether these residuals were earned lawfully or unlawfully

is not contained in the record. The PSR should only reflect that Francesco received

residuals in the verified amounts above.

      The PSR repeatedly mentions “allegations” that Francesco threatened another

individual while on bond, and that the Court revoked his bond as a result. PSR ¶¶

13, 35, 56, 89. This is incorrect. The Court found that there was no probable cause

based on the record to support the threat allegations and instead revoked Francesco’s

bond for unreported employment while on pre-trial release. Revocation Tr. 26: 16-18,

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28: 8-6. The PSR relied on the same record. The Government’s Version does not

expand the record or even mention the alleged threats.

      Mentioning these unproven allegations of violence in the PSR serves no

purpose other than to punish Francesco more severely. The Bureau of Prisons (BOP)

uses Public Safety Factors (PSF) to increase an inmate’s security point score. See BOP

Program Statement 5100.08 at 6. Information contained in the PSR regarding

violence can result in a PSF, or a higher security classification, even if that

information did not result in formal conviction. Id. at 9. It can also limit Francesco’s

ability to participate in important BOP programs or placement in a halfway house

upon his release from prison.

      Similarly, the PSR calls into question whether Francesco engaged in non-

consensual sex in 2022 with his then girlfriend. PSR ¶52. This allegation should be

removed from the PSR because it is unproven and could trigger a Sex Offender PSF

even though Francesco has never been classified as a sex offender. In 2022, Francesco,

then 26, pled guilty to nonconsensual dissemination of a sex image in the Circuit

Court of Cook County. PSR ¶52. Francesco admitted to disseminating private sexual

images of a sexual encounter between himself and his then girlfriend during a

vacation in Las Vegas. Francesco received 18 months’ probation, which was

terminated satisfactorily. The offense is not considered a sexual offense in Illinois.

Francesco was not subject to sex offender probation, sex offender registration, a sex

offender evaluation, or sex offender treatment. If Francesco is assessed a Sex

Offender PSF based on the unproven allegations contained in the PSR, he will be



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ineligible for camp placement and other important BOP programs. BOP Program

Statement 5100.08.

    B. Guideline Calculations
         Francesco objects to the role enhancement and no reduction for acceptance of

responsibility, which was not contemplated by the parties. The correct guideline

calculation is set forth in the written plea agreement. Francesco does not dispute the

use of intended loss for purposes of calculating the advisory guideline range.

However, we do note that use of intended loss in this case results in two additional

points and a higher offense level, and in some districts only actual loss is considered.2

See United States v. Banks, 55 F.4th. 246, 258 (3rd. Cir. 2022). In December 2025, the

United States Sentencing Commission proposed an amendment to §2B1.1’s economic

loss table to adjust for inflation, which would result in a two point decrease to

Francesco’s sentence if he were sentenced after November 2026. Proposed

Amendment to §2B1.1, 90 Fed Reg 59660 (December 19, 2025).

         1. The Role in Offense Enhancement is not Supported by the Plea
            Agreement, the Government’s Version, or The Evidence
         Probation incorrectly concludes that Francesco had a leadership role in the

offense and assigns him two points under §3B1.1(c). The plea agreement and the

government’s version do not contain a role enhancement or facts in support of it. In

support of the enhancement, Probation says that Francesco brought the idea of the

fraud to Urumieh’s attention, that he assisted Urumieh in preparing the fraudulent

loan documentation, and that he had “more sophisticated financial knowledge.” PSR


2
  If actual loss were used, Francesco’s total offense level would be 24 and his advisory guidelines range would be 51
to 63 months’ imprisonment.

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¶ 41. None of this is part of the government’s version of the offense, or the co-

defendant’s plea agreements, and Probation relies on the case agent’s statements.

The enhancement should not be applied.

      To qualify for an adjustment under §3B1.1, a defendant “must have been the

organizer, leader, manager, or supervisor, of one or more of the participants.”

U.S.S.G. App. §3B1.1 cmt. n. 2. There is no evidence that Francesco had any control

over Urumieh. Urumieh is over three decades older than Francesco. Francesco was

just 22 years old when he met Urumieh. Urumieh was already engaged in criminal

activities with a sophisticated business partner, who he introduced to DiStefano.

Urumieh and DiStefano assisted this individual in various frauds.

      Probation claims that Francesco brought the fraud scheme to Urumieh. But,

as discussed above, Urumieh was no stranger to criminal activity when he met

Francesco two years before the loan fraud. Moreover, in his plea agreement, Urumieh

admitted that he was already familiar with the Covid loan programs when he

“discussed obtaining pandemic” loans with Francesco. There is no evidence that

Francesco recruited Urumieh into the scheme. (Dkt. No. 107). Even if Francesco

suggested the fraud to Urumieh, the adjustment is inapplicable to defendants “who

merely suggest committing the offense.” U.S.S.G. §3B1.1, cmt. n.4.

      The fact that Francesco prepared much of the fraudulent documentation also

does support the enhancement or make him more financially sophisticated than

Urumieh. Francesco was a 22 year kid with no college degree when he met Urumieh.

Urumieh was decades older and the Chief Executive Officer and Chief Financial



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Officer of West Coast POS Inc. PSR ¶17. Francesco did the grunt work for Urumieh,

who promised to buy Francesco a Mercedes G-Wagon if the loans were forgiven.

Urumieh was on board from the beginning and Francesco kept him in the loop through

text messages. (Dkt. No. 107). Urumieh knew the information was false, and he

“assented” to its use in the applications. Id. Urumieh also knowingly submitted false

loan applications to the Bank and provided false information to a payroll processing

company to facilitate the false loan proceeds to Urumieh, his family members, and

acquaintances. Id. Both Francesco and Urumieh each derived more than $1 million in

proceeds from Encore Bank and used them for their own personal benefit.

       2. Francesco Should Receive the Acceptance of Responsibility
          Reduction
       Francesco’s obstructive conduct occurred in May 2022 in connection with a

petition seeking return of the seized funds and cars. Francesco falsely stated in the

application that seized funds were lawfully earned and submitted false invoices in

support. But Francesco later admitted the obstruction conduct in his proffers. He then

agreed to the two-point enhancement under §3C1.1 for obstruction of justice, to the

forfeiture of the cars, a personal judgment in the amount of $1,049,595, and to the

immediate entry of preliminary forfeiture orders. Francesco also withdrew any previous

claims in the related civil forfeiture action, waived any appeals related to the forfeiture,

and agreed not to assist any third party’s challenge or review of the forfeiture. As such,

the government agreed to a reduction for acceptance of responsibility in the plea

agreement and the government’s version despite the enhancement.




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      Probation wants to revoke these two points based on the obstruction under

U.S.S.G. §3C1.1, cmt. nt. 4. PSR ¶ 45. Application Note 4 states that conduct resulting

in an obstruction enhancement ordinarily indicates that the defendant did not accept

responsibility for his criminal conduct, except for certain “extraordinary circumstances.”

Probation does not believe there are any extraordinary circumstances present here. Id.

We disagree.

      Application Note 4 indicates that one such “extraordinary circumstance” is when

a defendant obstructed justice at an earlier point, but then later came clean. United

States v. Lallemand, 989 F.2d 936, 938 (7th Cir.1993) (explaining that a defendant

can obstruct or attempt to obstruct justice at time “t” and later accept responsibility

at time “t + 1”); United States v. Anderson, 259 F.3d 853, 862 (7th Cir. 2001). This is

precisely the case here. Francesco’s obstructive conduct occurred well before his

acceptance of responsibility and cooperation. Francesco fully cooperated and took

responsibility for both the offense conduct and his prior obstruction of justice.

Consistent with his admissions, Francesco withdrew any civil claims and allowed the

government to sell the cars quickly to protect the funds for forfeiture/restitution.

      Probation suggests that Francesco’s additional conduct while on pretrial

release is inconsistent with acceptance. PSR ¶45. But the Government did not seek

to revoke defendant’s acceptance of responsibility reduction based on that conduct,

instead choosing not to move for a downward departure under §5K1.1. Francesco’s

ongoing and successful efforts at rehabilitation while in pre-trial custody at the

Metropolitan Correctional Center (MCC) which came after this conduct, are



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consistent with accepting responsibility. So is his payment of losses to individuals

involved in the conduct occurring after his release on bond.3 In addition, as revealed

in the attached letters discussed below, and his version, Francesco has expressed

genuine remorse, shame, and a commitment to change. Thus, the Court should apply

the reduction for acceptance of responsibility as contemplated by the parties.

      III.     CONDITIONS OF SUPERVISED RELEASE
           The Defendant objects to Discretionary Condition No. 14, that he participate in

a sex offender evaluation assessment. As observed by the Seventh Circuit in United

States v. Johnson, 756 F.3d 532 (7th Cir. 2014), “there must be some nexus shown

between the sexual misconduct and applicability of the Section 3553(a) factors for the

current offense” Here, requiring a sex offender evaluation is not tied to the offense of

conviction, relevant conduct, or even the state conviction. It is also not appropriate for

his offense or his low security risk. Francesco successfully completed his probation on

the state conviction. Francesco was not required to register as a sex offender, to obtain

a sex offender evaluation, or to obtain sex offender treatment.

           Francesco was already questioned in granular detail regarding his sexual

history and practices during his presentence interview. ¶¶PSR 93-98. Probation does

not use the information obtained during the interview in support of its request for a

sex offender evaluation. And none of Francesco’s answers reveal that he might pose a

threat to the public. Cf. United States v. Russell, (holding that defendant’s allocution

that state battery offense was about sexually assaulting his minor stepdaughter and a



3
    The “attempted forgery” case in Du Page County was dismissed and the individual involved was paid back.

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police report indicating the same contained sufficiently reliable information to support

district court’s special condition of supervised release requiring a sex-offender

assessment); United States v. Ross, 475 F.3d 871 (7th. Cir. 2007) (justifying sex offender

evaluation for defendant convicted of making false statements to the FBI because

defendant fantasized about sexual crimes against children and told the FBI he

participated in a child sex ring).

       Francesco does not object to Special Condition 9, to participate in a mental health

treatment program and take any medications prescribed by the mental health

treatment provider. Given this, requiring the additional sex offender evaluation would

not contribute to Francesco’s rehabilitation or reduce the risk of re-offending. United

States v. Kappes, 782 F.3d 828, 845 (7th Cir. 2015) (holding that special conditions of

supervised release can only be imposed if they are based on accurate information and

relate to factors identified in 18 U.S.C. §3553). It would only subject him to additional

hardship and punishment as discussed above.

       Francesco does not object to the mandatory conditions of supervised release.

Based on Mandatory Condition (7), allowing for up to 104 periodic controlled

substance tests while on supervised release, Francesco requests that the Court

include in the judgment and conviction order a recommendation for his participation

in RDAP (Residential Drug and Alcohol Drug Treatment Program). Francesco does

not object to any of the other discretionary conditions of probation.




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   IV.      SENTENCING MEMORANDUM

         A consideration of the totality of the §3553(a) factors must be balanced to arrive

at a just and merciful sentence that is “sufficient, but not greater than necessary” to

achieve the purposes of sentencing. A district court enjoys broad discretion “to fashion

an appropriate, individualized sentence” and in doing so, should use their discretion

to impose a punishment that “fit[s] the offender and not merely the crime.” United

States v. Warner, 792 F.3d 847, 855 (7th Cir. 2015); see also Pepper v. United States,

562 U.S. 476 (2011). A guideline sentence is not presumptively reasonable, nor is a

below-guideline sentence deemed unreasonable. United States v. Hill, 645 F.3d 900,

905 (7th Cir. 2011); see also United States v. Jordan, 435 F.3d 693, 698 (7th Cir. 2006).

As the Supreme Court has made clear, no “extraordinary circumstances” are required

to support a variance from the advisory Guidelines range or to justify a sentence of

probation. Gall v. United States, 552 U.S. 38, 47 (2007). Rather, in all cases, the

sentencing court “must make an individualized assessment based on the facts

presented” to determine a sentence sufficient, but not greater than necessary. Id. at

50; see also United States v. Young, 590 F.3d 467, 474 (7th Cir. 2010). Here, a sentence

of 48 months’ incarceration, plus three years of supervised release imposing mental

health treatment and work restrictions, would provide a sentence that is sufficient,

but not greater than necessary, to satisfy the goals of §3553.

         A. Francesco’s History and Characteristics
         The sentencing court must consider a defendant’s “history and characteristics.”

18 U.S.C. §3553(a)(1). Francesco does not dispute that there are many serious

aggravating factors in this case. It would be easy to conclude that Francesco was

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motivated only by greed and disrespect for the law. But Francesco’s conduct is only

half the story. Under United States v. Booker, 540 U.S. 2020 (2005), the Court is also

tasked with assessing the defendant’s conduct in the context of his entire life. See

United States v. Adelson, 441 F. Sup, 2d 506, 513-513 (S.D.N.Y. 2006) (“[i]f ever a

man is to receive credit for the good he has done, and his immediate context assessed

in the context of his overall life hitherto, it should be at the moment of his sentencing,

when his very future hangs in the balance.”)

          1. A Difficult Childhood Marked by Family Instability, Loss, and
             Loneliness
      The PSR, Francesco’s Version, and the attached letters from Dr. J. Simone, Ex.

3, and Katarzyna Weresz, Ex. 4, provide a detailed report of Francesco’s personal

history. In summary, Francesco was born in March 1996 and is the only child of Sam

and Connie DiStefano. Sam is 76 years old and Connie is 69. Francesco was raised in

Addison, Illinois. He is not married and has no children.

      When Francesco was in fifth grade, Sam lost his job and did not return to

employment. Sam suffered from crippling depression and could be emotionally

abusive and a harsh disciplinarian. Francesco’s mother was the sole financial support

of the family. While Francesco’s basic needs were met, the extreme stress and tension

in the household led to emotional neglect of Francesco at a young and critical age.

      School had no respite for Francesco. He was relentlessly bullied from

elementary school through high school. When he was in fourth or fifth grade, he often

cried uncontrollably. The school responded by locking him in an empty room or having

him sit in the principal’s office. The school did not tell Francesco’s parents about it.


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When Connie found out, she put Francesco in a different elementary school, but he

was bullied there too.

      Francesco spent most of his time at home. He did not participate in sports or

after school activities. Instead, even though Francesco was a young child, he took care

of his depressed father and his disabled grandmother, who lived in the family home.

Francesco did not mind because he was close with his grandmother. In fact, most of

his social interactions were with adults, or older family members.

      Francesco suffered a series of traumatic losses during his youth. Just before

his eighth grade graduation, Francesco discovered his beloved grandmother was dead

in the house when he went to see her before school. A few years later, Francesco’s

“favorite aunt” died unexpectedly during a routine medical procedure. Not long after

that, Francesco’s close uncle, Vince, had a stroke. Francesco visited Vince every day

until he was removed from life support.

      Francesco continued to be bullied in high school. He became close friends with

his neighbor Alfredo Manzo, who protected him from the bullies. But he did not go

out with girls, go to parties, or have fun. He was good with computers and spent most

of his time at home tinkering with them. During his junior year economics class, the

teacher asked the students to produce a business idea. This appealed to Francesco.

After doing some research, he came up with idea for a company that provided point

of sale (POS) software and hardware. In 2015, at age 19, Distefano Enterprises LLC

was formed and incorporated in Montana.




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       The company earned about $11,000 that year and started doing other

merchant services. By 2017, Francesco’s earnings were six times that amount. He left

college and devoted himself to running the business. He was still a loner. He

primarily hung out with Manzo and some older guys and family members at Manzo’s

family pizzeria. Many of these individuals were older than Francesco and he later

engaged in criminal conduct with them. In 2021, Francesco married a woman ten

years older than him that Manzo introduced him to six months before. Francesco kept

the marriage secret from his parents. The marriage only lasted a few months, but it

caused a lot of friction between Francesco and his father.

          2. The Offense Conduct and the Aftermath
       Francesco first learned about the Paycheck Protection Program (PPP) in the

beginning of the Pandemic lockdown, from Manzo, his best friend, who worked in tax

services. As Francesco admitted in his plea agreement, beginning in March 2020,

Francesco engaged in a scheme to obtain pandemic loans through fraudulent

applications filed for DiStefano Enterprises. To create the applications, Francesco

used numbers from other customers, and forms and headers he found through Google

searches. Francesco obtained approximately $357,815 in fraudulent loan proceeds.

Francesco tried but failed to receive additional fraud proceeds from second round loan

applications to a lender. Thus, the intended loss from this scheme is approximately

$441,736. As admitted in the plea agreement, Francesco also committed

unemployment compensation fraud, personal mortgage fraud, and filed a false

forfeiture petition.



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      At the same time as the DiStefano Enterprise loans, Francesco and Urumieh

discussed obtaining fraudulent loans, on behalf of Urumieh’s companies, West Coast

POS, Inc, and National POS, Inc. Francesco met Urumieh two years earlier. They

both worked in the POS industry. Urumieh lived in California. Francesco flew to

California so Urumieh could introduce him to his business partner, a large restaurant

owner. Francesco was about 22 years old at this time. At the restaurant owner’s

request, Francesco and Urumieh made changes to his POS software that allowed him

to hide sales data and to receive inflated merchant fees. Urumieh also apparently

laundered the restaurant owner’s money for him through a fake hotel invoicing

scheme.

      With respect to the National and West Coast, the lenders paid a total of

$2,973.444. Out of this, Francesco personally received about $1.1 million. Urumieh

promised Francesco a Mercedes Benz G-Wagon if the loans were forgiven. The loans

were not forgiven, and Francesco did not get the G-Wagon. However, Francesco did

buy a Porsche 911 for Urumieh’s benefit with some of his fraudulent loan proceeds.

(Dkt. 107). Francesco also used some of the fraudulent loan proceeds to travel, to

purchase cars, to pay off car loans, and to buy expensive gifts. In 2021, the

government seized $677.932.25 in unspent proceeds from Francesco’s bank account,

along with four cars (about $950,000 in total after the sale of the cars at auction).

      Urumieh used some of his proceeds to purchase a house in Glendale,

California. Francesco and Manzo assisted Urumieh in submitting fraudulent

applications to banks to purchase this property. Francesco introduced Manzo to



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Urumieh. Urumieh used Manzo to file taxes and bookkeeping services, and sent other

clients to him, including family members. Urumieh apparently sold this property in

August 2025 for about $2.7 million. The government did not seize or forfeit any of the

proceeds Urumieh received.

      Francesco was arrested on September 11, 2024, and held at the Jerome Combs

Detention Center in Kankakee, Illinois. Confined for months without outdoor time or

sunlight, Francesco describes this period of detention as “especially nightmarish.” He

suffered from increased depression, panic attacks, and anxiety, and was prescribed

Zoloft, and later Wellbutrin. PSR ¶84. After 226 days, Francesco was released on

bond on April 24, 2025. Francesco participated in virtual therapy sessions while on

bond, but he did not continue taking psychiatric medications. PSR ¶86. Francesco

also acted as the primary home caregiver for his elderly father Sam. Sam suffers from

multiple medical problems. Ex. 5. Bhupinder K. Chhabra, Md. Letter. In addition to

diabetes, depression, and hypertension, Sam has serious complications from two

major strokes leaving him unable to complete daily tasks, or to be home alone safely

for long periods of time.

      Francesco violated his bond, because he obtained unapproved employment,

and was recommitted to custody at the MCC on July 23, 2025. By his sentencing date,

Francesco will have spent 457 days in custody. Francesco has been an exemplary

inmate at the MCC. He has not been cited for any disciplinary incidents. PSR ¶14.

He has taken over fifty classes geared towards rehabilitation, including anger

management, cognitive skills, and criminal thinking programs. Id. at ¶86. He also



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volunteers as a tutor to other inmates to help them prepare for and obtain GEDs.

Francesco currently takes sertraline for his anxiety/depression. Id. He tried to obtain

psychology programming but was turned down because as a non-designated inmate,

he is not eligible. Id. Francesco hopes to return to therapy and his caregiving role for

his father, whose condition will only get worse. Francesco would like to return to the

workforce so that he can make restitution payments and be a law abiding and

contributing member of the community and his family.

          3. Untreated Mental Health Issues
      Given the breadth of Francesco’s conduct, his self-destructive behavior, and

age at the time of the offense (24), defense counsel obtained a psychological evaluation

of Distefano. Ex. 3. (Dr. J. Simone Report). Defense counsel also received a letter from

Katarzyna Weresz, who began treating Francesco in April 2024. Ex. 4. DiStefano’s

mental health history does not excuse his conduct. But it does provide the Court with

meaningful context to consider in determining Francesco’s punishment. Both Dr.

Simone and Weresz believe that Francesco’s untreated psychological conditions, poor

coping mechanisms, and developmental deficits, directly contributed to Francesco’s

criminal behavior. Importantly, both also conclude that Francesco is an excellent

candidate for rehabilitation and reduced risk of offending.

      Dr. Simone linked Francesco’s “family history” and “experiences at school and

lack of a peer social group” to long standing anxiety, depression, and feelings of

worthlessness and low self-esteem. Left untreated, Francesco felt the need to

overcompensate, by exaggerated accomplishments (lawful or unlawful) and

extravagant purchases/lifestyle to gain social approval. These behaviors provided a

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“temporary” boost to Francesco’s self-esteem, but they were short lived. This, and

Francesco’s young age, contributed to an “escalating spiral” where he continued his

illegal behaviors to chase feelings of importance, social approval, and a sense of

belonging.

      Weresz also traces Francesco’s issues to a difficult childhood filled with

“instability, loss, inconsistent emotional support, and harsh discipline.” This led to

attachment vulnerabilities, low self-esteem, and a deep need for external validation.

Francesco satisfied this need and avoided feelings of rejection by people-pleasing and

excessive financial generosity, even if it meant engaging in criminal and dishonest

behavior. Importantly, Weresz believes that Francesco’s criminal conduct is more

related to Francesco’s psychological distress than malicious intent or lawlessness.

Francesco’s strong insight into his own patterns and his commitment to

psychotherapy and medication corroborate this. Weresz concludes that Francesco has

a favorable outlook for rehabilitation and low risk of reoffending.

          4. Francesco’s Character Letters

      Francesco suffered a traumatic and chaotic childhood, leaving him with

anxiety, depression, and deep feelings of worthlessness to this day. Despite this, he

was hard working generous, incredibly compassionate, and caring person, who even

as a young child took care of elderly family members. As Francesco’s letters reveal,

he has the capacity to not only be law abiding, but also to be a productive and helpful

member of his family and the community if he is given a second chance. See Warner,

792 F.3d at 857-858 (finding that defendant’s character letters were “sincere and



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credible” evidence of defendant’s excellent personal qualities that were different from

“those which he manifested in committing the crimes he has admitted”).

      Francesco’s mother, Connie, describes her son as “kind, compassionate,

respectful, and willing to help others.” Ex 6. She writes that Francesco’s absence has

been particularly painful because he is the one who provided emotional support to

Connie and his father. Francesco has also always been his father’s caregiver, while

Connie is at work. Hard work, integrity, and responsibility are core values that

Francesco was raised with and are deeply rooted in his family. Connie recognizes that

Francesco has greatly strayed from this path. She has seen a “sincere transformation”

in Francesco during his incarceration at the MCC. Francesco also takes full

accountability for his actions and expresses his desire to make amends for his

conduct. Connie has no doubt that Francesco will return to the strong values instilled

in him and that he will become the best version of himself.

      Francesco’s uncle, Dominic, also believes that the criminal process represents

a turning point for Francesco and that he is capable of being “a responsive and

productive member of society.” Ex. 7. Dominic points to his conversations with

Francesco during which Francesco took responsibility for his conduct, clearly

understood the serious harm he caused, and expressed a genuine desire “to live

differently moving forward.” To Dominic, who has known Francesco all his life, he is,

at his core, “kind and thoughtful” and enjoys helping people. When Dominic broke his

foot and was unable to walk or care for himself, Francesco, without even being asked

to, had Dominic’s house set up for safety, arranged for home nursing care, checked



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up on him, and made sure he had food. Dominic asks the Court for mercy for

Francesco because of his young age, personal struggles, and the growth he has

already demonstrated while in custody.

      Ted Anastopoulos has known Francesco since he was a teenager. Ex. 8. Ted

owns a diner and Francesco has consistently helped him with technology issues

without seeking payment. He has also witnessed Francesco’s devotion to his parents,

and the deep respect Francesco has for family and friends. During discussions with

Francesco about this case, Francesco has expressed genuine remorse for the harm he

has caused and his desire to live a better life, be a better man, and to make amends

for his conduct. Ted believes that Francesco possesses this potential and stands in

support of Francesco.

      Lucia Troiano, a longtime family friend, has also known Francesco since he

was born. Ex. 9. She recalls a time when her family business desperately needed help

with their POS system. Due to a new law, the system needed to be reset that night at

midnight. Lucia contacted Francesco and without hesitation he agreed to do the reset.

He also helped Lucia with other computer issues and never expected or would take

compensation for his time.

      Likewise, family friend, Pamela Symeonides, also fondly recalls that when

Francesco was child he happily volunteered with his parents at community events,

church functions, and school events even though he clearly suffered from emotional

issues. Ex. 10. As an adult, Francesco helped Pamela without hesitation on multiple

technology issues and even set up a program at her husband’s restaurant that



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simplified takeout orders and is still used today. To Pamela, these consistent “acts of

kindness” demonstrate Francesco’s “thoughtfulness, reliability, and desire to

contribute meaningfully to those around him.” Pamela is confident that Francesco,

with the support he has earned from friends and family, will lead “a law abiding,

productive, and meaningful life.”

      Francesca Saporito refers to Francesco as the “brother I never had.” Ex. 11.

Their parents were close family friends and they grew up together. She knows that

Francesco has had emotional issues throughout his life that have led to poor decision

making and impulsiveness. But Francesco has also been “kind, thoughtful and

dependable,” and “the type of person who shows up when people need help.”

Francesco makes sure to include everyone at holiday dinners, especially people who

have nowhere to go or that would otherwise be alone. From dressing up as Santa,

helping with the St. Joseph table, and working the annual picnic, Francesco has

always been active in the community. For Francesca, this reflects Francesco’s true

character, and she hopes that this “terrible chapter” in his life does not “overshadow

the person he has always tried to be” and the bright future that she knows he has.

      Roseangela Colella Eder has known Francesco for about ten years. Ex. 12. She

understands how serious Francesco’s conduct is, but she too believes Francesco is

“more than the circumstances of his case.” Francesco has helped Roseangela

overcome many personal struggles and he has done so willingly and without the need

for recognition. Given his remorse, his generosity in helping others, and his strong

desire to rehabilitate himself, she has no doubt that Francesco will “move forward in



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a positive and responsible manner” and will continue to be “a positive and meaningful

presence in the lives of those around him.”

      Francesco’s last letter is interesting in that it is from someone who has not

known Francesco for a long time and is not deeply connected to him. Armando

Guzman is a UPS employee. Ex. 13. In June 2025, when he was a new employee, he

delivered a package requiring cash on delivery to Francesco. Francesco provided a

certified check of over $2000 for the package. Armando lost the check. He could not

personally pay it back and he feared losing his job. He “became overwhelmed with

fear and anxiety” and decided to contact Francesco, who he “had no prior relationship

or familiarity with” and explain what happened. After carefully determining that

Armando was genuine, Francesco arranged for the certified check to be reissued,

saving Armando’s job. “[F]ew people would have shown such understanding, patience,

and kindness in that situation,” writes Armando, and that is why he offers his letter

in support of Francesco. He hopes the Court takes into consideration “this example of

his compassion, integrity, and humanity when determining an appropriate sentence.”

      Armando’s example reminds defense counsel of an incident witnessed with

respect to Francesco that we believe speaks to his good character too. Shortly after

Francesco was released on bond, he received an envelope from the government

returning some of his personal property. In the package were passport cards, which

Francesco was not allowed to possess, particularly given his dual citizenship with

Italy. Francesco immediately contacted defense counsel and asked them to promptly

return the items to the government, which they did.



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      The people that know Francesco best confirm that Francesco is much more

than his conduct in this case. He is the kind of person that can be relied upon in times

of need, no matter how busy he is or what hardship he is facing. His letters further

underscore his genuine remorse, that he understands the depth of his harm, and that

he will continue to make amends for his conduct and be a law-abiding member of the

community.

            5. Cooperation and Post-Offense Rehabilitation
      Francesco proffered with the government three times. During his proffers he

admitted to the conduct in this case, that he obstructed justice, and that he engaged

in other criminal and unethical conduct that was not part of this case. He also

provided information about other individuals and even met with another AUSA

investigating a large health care fraud case and provided information unrelated to

his case.

      Francesco made no excuses for his actions, he did not shift the blame to others,

and he did not lie about his role in preparing false documents. Contrary to the case

agent’s statement to Probation that Distefano provided “nothing of value,” PSR ¶33,

Francesco’s cooperation contributed to the prosecution of an individual residing in

the United States unlawfully. Moreover, Francesco did not lose his §5K1.1 because

the information he provided was not “substantial assistance,” he lost his §5K1.1

because his proffers came before certain conduct, including his conduct leading to

bond revocation. Gov. Version. at 17. Francesco does not dispute this. Even absent a

motion, the Court can still consider Francesco’s efforts at cooperation and his remorse

and contrition under 18 U.S.C. §3553(a)(1). United States v. Wachowiak, 496 F.3d

                                          24
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744, 754 (7th Cir. 2007) (observing that the district court may give further weight to

a defendant’s remorse and cooperation, beyond the acceptance of responsibility

adjustment, and affirming a below-Guidelines sentence for a child pornography

offender based on his character, remorse, and low risk of recidivism.)

      Francesco’s post-offense rehabilitation is also an important indicator of

positive rehabilitation and is “highly relevant” to several of the factors under

§3553(a). Pepper, 562 U.S. at 491, See also Federal Reg. 90, 59660 (Dec. 17, 2025)

(proposing new adjustment §3E1.1 providing for a reduction for demonstrated

positive post-offense behavior or rehabilitative issues). While in custody at the MCC,

Francesco has taken over fifty classes, including classes in anger management,

cognitive awareness, offender correction, interfaith management, and other classes

that will contribute to a successful re-entry. Ex. 14. (Certificates and Excel spread

sheet of classes). Francesco has also taken classes with an eye towards future

employment, including classes in the food and service industry. Id. Francesco

voluntarily teaches general education development (GED) to other inmates so they

can obtain their GEDs. In December 2025, Francesco signed up with the Suicide

Companion Program. Francesco’s volunteer work with other inmates has been deeply

gratifying and motivating to him.

      Francesco is compliant with prescribed medication for anxiety and/or

depression and is committed to future mental health treatment. According to Weresz,

Francesco has a strong desire to “break patterns of impulsivity, dishonesty, and self-

destructive behavior, taking responsibility for his conduct while articulating a



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commitment to change.” Ex. 4. Francesco’s other letters universally confirm that he

is genuinely remorseful for his actions, that he has accepted responsibility, and that

he is sincerely motivated to confront and understand the psychological factors and

behaviors that contributed to his criminal conduct. The people that know Francesco

best, his treating licensed clinical counselor, and Dr. Simone, are confident that

Francesco, with the family support he has and his ongoing commitment to clinical

support, will be a lawful, productive, and meaningful member of the community.

      B. The Nature and Circumstances of the Offense
      As Francesco fully admitted in his proffers, in his plea agreement, and in open

court, he acted illegally and committed serious offenses for which there is no excuse.

There is also no question that Francesco engaged in aggravating conduct under §3553

as detailed by the government in its version, and that he violated the terms of his

supervised release.

      18 U.S.C. §3553(a) permits the Court to consider the context in which

Francesco’s conduct arose in mitigation. Such an analysis aids the court in assessing

Francesco’s culpability at the time of his illegal conduct and understanding how a

young man with such potential engaged in serious criminal conduct. Such an

assessment is permitted and relevant under the statutory sentencing factors.

      Francesco’s offense was non-violent and he had no history of federal arrests or

incarceration prior to this offense. Francesco’s letters reveal that he understands the

depravity of his conduct, that his remorse is genuine, and that his conduct was

motivated more by psychological factors than malicious intent.

      Francesco was just 24 years old when he committed the offense of conviction.

                                          26
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He was a young man who felt the need to overcompensate for others and to seek social

approval by exhibiting an exaggerated sense of accomplishment. Participating in the

fraud with Manzo (his uncharged childhood friend) and Urumieh, his much older

friend, served his need to gain approval from them and created an inflated sense of

accomplishment. At the same time, using the fraudulent money to obtain extravagant

resources allowed him to combat feelings of worthlessness by looking like a “big shot.”

Dr. Simone’s report and Weresz’s letter leave no doubt that Francesco’s young age,

traumatic childhood, and untreated depression and anxiety, contributed to this

offense and his pattern of unlawful conduct.

      Although not a reason to commit fraud, these are factors that can be considered

by the Court in mitigation. Pepper, 562 U.S. at 488, (reiterating that there are no

limitations on the kinds of background and character information that the sentencing

court may consider in determining a defendant’s sentence); United States v. Faria,

No. 12-cr-800 (N.D. Il. 2016) (holding below-guidelines sentence supported by several

mitigating factors, including, the defendant’s lack of a criminal history, low

probability for recidivism, remorse for her conduct, and difficult upbringing.). In fact,

in 2024, the Sentencing Commission amended §5H1.1 (Policy Statement), in

recognition of “evolving science and data” that “cognitive changes lasting into the

mid-20’s” may impact culpability in youthful individuals because they “generally are

more impulsive, risk-seeking, and susceptible to outside influences as their brains

continue to develop into adulthood.” Although the Commission deleted this policy

statement as part of a broader effort to simplify the guidelines, it does not limit the



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Court’s authority under §3553 and the Commission preserved the policy statement

as a historical reference because of its continued relevance to sentencing and

mitigation. U.S.S.G. Appendix B Part III (May 3, 2025).

      C. The Need to Avoid Unwarranted Sentencing Disparities

      In Probation’s recommendation, Probation cites “an average sentence of 73

months custody” for “similarly situated defendants and recommends a sentence above

this national average. It is unclear what sentencing factors the national average

considers, and it can be skewed. In any event, Francesco’s individual factors - age at

the time of the conduct, his contributing mental health issues, his cooperation, his

letters, and his post-offense rehabilitation - distinguish him from the “national

average” and support the recommended below guideline’s sentence of 48 months’

incarceration.

      D. Deterrence and Just Punishment Goals Met by Sentence of 48
         Months

      A sentence of 48 months’ incarceration, and three years of supervised release,

including prohibitions on travel, work, and mental health requirements support both

specific and general deterrence. As discussed above regarding post-offense

rehabilitation, there is strong reason to believe that Francesco will be successfully

rehabilitated and that he will be sufficiently deterred by sentence below the advisory

guideline range. Additionally, he has never been incarcerated before, he has not

received any disciplinary violations during his detainment at the MCC, and he has

availed himself of classes specifically designed for successful re-entry into society.




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48 months’ incarceration would also sufficiently deter other young offenders who have

never been to jail from following in his footsteps. Finally, a sentence of 48 months of

imprisonment promotes justice and respect for the law because although significant,

it tempers punishment with empathy and provides hope of successful reentry into the

community.

   V.      CONCLUSION

        Francesco’s young age at the time of the offense, complicated and difficult

upbringing, untreated mental health issues, good works, profound remorse, in

addition to his extraordinary post-offense rehabilitation, supports a sentence of not

more than 48 months’ incarceration. Such a sentence is sufficient but not greater than

necessary to serve justice and the sentencing goals.


                                               Respectfully submitted,
                                               Francesco DiStefano

FISHER LEVINE LAW GROUP
By: /s/Robert A. Fisher
Robert A. Fisher
20 South Clark St, Suite
Chicago, Illinois 60603
raf@fisherlevinelaw.com

LAW OFFICES OF JACQUELINE JACOBSON
By: /s/Jacqueline S. Jacobson
Jacqueline S. Jacobson
53 West Jackson, Suite 1332
Chicago, Illinois 60603
jackie.jacobson@jjdefense.com




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