Judgment — United States v. Loretta Clarice James, Eastern District of North Carolina (Document 33)

Summary

A judgment in a criminal case in United States v. Loretta Clarice James, No. 5:24-cr-00132-M, in the U.S. District Court for the Eastern District of North Carolina, filed May 8, 2025 as Document 33 and entered by Chief United States District Judge Richard E. Myers II. The defendant pleaded guilty to count 1 of the information, conspiracy to commit wire fraud under 18 U.S.C. § 1349 and 18 U.S.C. § 1343, with the offense ending 10/31/2022. The sentence is 96 months of imprisonment, concurrent with any sentence on related state charges pending in Wake County, North Carolina, followed by 5 years of supervised release. The judgment orders a $100.00 assessment and restitution of $1,921,205.98, of which $1,867,487.00 goes to the Small Business Administration and the rest to other listed payees. Forfeiture follows a preliminary order entered May 8, 2025.

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“Judgment — United States v. Loretta Clarice James, Eastern District of North Carolina (Document 33).” Original at archive.org. Archived at Pandemic Darlings, https://pandemicdarlings.com/source-documents/judgment-no-5-24-cr-00132-dkt-33-e-d-n-c-4faadbe843/, SHA-256 2324739269a210b13935cf5a8c34bffd86b7c685420a7bbbc498116625bb1b51.

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AO 2458 (Rev. 09/19) Judgment in a Criminal Case
Sheet I

UNITED STATES DISTRlCT COURT
Eastern District of North Carolina
)
UNITED STA TES OF AMERICA ) JUDGMENT IN A CRIMINAL CASE
V. )
)
) Case Number: 5:24-CR-132-1M
LORETTA CLARICE JAMES
) USM Number: 17480-511
)
) James B. Polk
) Defendant's Attorney
THE DEFENDANT:
~ pleaded gui lty to count(s) 1 of Information
D pleaded nolo contendere to count(s)
which was accepted by the court.
D was found guilty on count(s)
after a plea of not guilty.

The defendant is adjudicated guilty of these offenses:

Title & Section ature of Offense Offense Ended Count
18 U.S .C. § 1349, 18 U.S .C. § 1343 Conspiracy to Commit Wire Fraud 10/31/2022

The defendant is sentenced as provided in pages 2 through _ _7___ of this judgment. The sentence is imposed pursuant to
the Sentencing Reform Act of 1984.
D The defendant has been found not guilty on count(s)
D Count(s) 0 IS Dare dism issed on the motion of the United States.

It is ordered that the defendant must notify the United States attorney for this di strict within 30 days of any change of name, residence,
or mailing address until all fines, restitution, costs, and special assessments imposed by this judgment are full y paid. If ordered to pay restitution,
the defenclant must notify the court and United States attorney of material changes in economic circumstances.

5/8/2025

Signature of Judge
-, '

Richard E. Myers II , Chief United States District Judge
Name and Title of Judge

Date

Case 5:24-cr-00132-M Document 33 Filed 05/08/25 Page 1 of 7
AO 245B (Rev. 09/ 19) Judgment in Criminal Case
Sheet 2 - Imprisonment

Judgment - Page - =
2- of 7
DEFENDANT: LORETTA CLARICE JAMES
CASE NUMBER: 5:24-CR-132-1M

IMPRISONMENT
The defendant is hereby committed to the custody of the Federal Bureau of Prisons to be imprisoned for a
total term of:
96 months: This sentence shall run concurrent to any state sentence that may be imposed for the related state charges that
remain pending in Wake County, North Carolina, under docket numbers 22CRS321506, 22CRS322376, 22CRS322372,
22CRS322378, 22CRS322402, 22CRS322398, 22CRS322394, 22CRS322405, 22CRS322384 , and 22CRS322408.

0 The court makes the fo llowing recommendations to the Bureau of Prisons:
The court recommends : Most intensive substance abuse treatment, Vocational training/educational opportun ities,
Mental health assessment and treatment, Physical health evaluation and treatment, Placement at FMC -Carswell

D The defendant is remanded to the custody of the United States Marshal.

D The defendant shall surrender to the United States Marshal for this district:
D at D a.m. D p.m. on

D as notified by the United States Marshal.

0 The defendant shall surrender for service of sentence at the institution designated by the Bureau of Prisons:
D before 2 p.m. on

[ir as notified by the United States Marshal.
D as notified by the Probation or Pretrial Services Office.

RETURN
I have executed this judgment as fo llows:

Defendant delivered on to

at _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ , with a certified copy of this judgment.

UNITED STATES MARSHAL

By
DEPUTY UNITED STA TES MARSHAL

Case 5:24-cr-00132-M Document 33 Filed 05/08/25 Page 2 of 7
AO 245B (Rev. 09/19) Judgment in a Criminal Case
Sheet 3 - Superv ised Rel ease
Judgment- Page _ _ _ of
DEFENDANT: LORETTA CLARICE JAMES
CASE NUMBER: 5:24-CR-132-1M
SUPERVISED RELEASE
Upon release from imprisonment, you will be on supervi sed release for a term of:

5 years

MANDATORY CONDITIONS
I. You must not commit another federal, state or local crime.
2. You must not unlawfully possess a controlled substance.
3. You must refrain from any unlawful use of a controll ed substance. You must submit to one drug test within 15 days of release from
imprisonment and at least two periodic drug tests thereafter, as determined by the court.
D The above drug testing condition is suspended, based on the court's determination that you
pose a low risk of future substance abuse. (check if applicable)
4. ~ Yo u must make restitution in accordance with 18 U .S.C. §§ 3663 and 3663A or any other statute authorizing a sentence of
restitution . (check if applicable)
5. !Yl" You must cooperate in the collection of DNA as directed by the probation officer. (check if applicable)
6. D You must comply with the requirements of the Sex Offender Registration and oti ficatio n Act (34 U.S.C. § 20901 , el seq.) as
directed by the probation officer, the Bureau of Prisons, or any state sex offender registration agency in the location where you
reside, work, are a student, or were convicted of a qualifying offense. (check if applicable)
7. D You must participate in an approved program for domestic vio lence. (check if applicable)
You must comply with the standard cond itions that have been adopted by this court as we ll as with any other conditions on the attached
page.

Case 5:24-cr-00132-M Document 33 Filed 05/08/25 Page 3 of 7
AO 245B (Rev. 09/1 9) Judgment in a Crimi nal Case
Sheet 3A - Supervised Release
Judgment- Page - - - - ' - - -- of _ _ _ _ __
DEFENDANT: LORETTA CLARICE JAMES
CASE NUMBER: 5:24-CR-132-1M

STANDARD CONDITIONS OF SUPERVISION
As part of you r supervised release, yo u must comply with the fo llowing standard conditions of supervision. These condi tions are imposed
because they establish the bas ic expectations for yo ur behav ior whi le on supervision and identify the minimum too ls needed by probation
officers to keep informed, report to the court about, and bring about improvements in you r conduct and condition.

1. You must report to the probation office in the federal judicial district where you are authorized to res id e within 72 hours of your
release from imprisonment, unless the probation officer instructs you to report to a different probation office or within a different time
frame .
2. After initially reporting to the probation office, you wil l rece ive instructions from the court or the probation officer about how and
when you mu st report to the probation officer, and you must report to the probatio n officer as instructed.
3. You must not knowingly leave the federal judicial district where you are authorized to reside without first getting permission from the
court or the probation officer.
4. You must answer truthfully the questions asked by you r probation officer.
5. You must live at a place approved by the probation officer. If yo u plan to change where yo u live or anything about you r living
arrangements (such as the peopl e yo u live with), yo u mu st notify the probation officer at least l O days before the change. If noti fying
the probation officer in advance is not possi ble due to unanticipated circumstances, you must notify the probation officer within 72
hours of becoming aware of a change or expected change.
6. You must allow the probation officer to vis it you at any time at your home or elsewhere, and yo u must perm it the probation officer to
take any items prohibited by the conditions of your supervision that he or she observes in plain view.
7. You must work full time (at least 30 hours per week) at a lawful type of employment, unless the probation offi cer excuses yo u from
doing so. If you do not have full-time employment you must try to find fu ll-time employment, unless the probation officer excuses
you from doing so. If you plan to change where you work or anything about your work (such as your position or your job
responsibi lities), you must notify the probation officer at least IO days before the change. If notify ing the probation officer at least I 0
days in advance is not possible due to unanticipated circumstances, yo u must notify the probation officer within 72 hours of
becoming aware of a change or expected change.
8. You must not communicate or interact with someone yo u know is engaged in criminal activity. If you know someone has been
convicted ofa felony, you must not knowingly communicate or interact with that person without first getting the permission ofthe
probation officer.
9. If you are arrested or questioned by a law enforcement offi cer, yo u must notify the probation officer within 72 hours.
10. You must not own, possess, or have access to a firearm, ammunition, destructive device, or dangerous weapon (i.e., anything that was
designed, or was modified for, the specific purpose of causing bodi ly injury or death to another person such as nunchakus or tasers) .
11 . You must not act or make any agreement with a law enfo rcement age ncy to act as a confidenti al human source or informant without
first getting the permission of the court.
12. lfthe probation officer determ ines that you pose a risk to another person (including an organization), the probation officer may
require you to notify the person about the risk and you must comply with that instruction. The probation officer may contact the
person and confirm that you have noti fied the person about the risk.
13. You must fo llow the instructions of the probation officer related to the conditions of supervision.

U.S. Probation Office Use Only
A U.S . probation officer has instructed me on the conditions specified by the court and has provided me with a written copy of this
judgment containing these conditions. For further informatio n regarding these conditions, see Overview of Probation and Supervised
Release Conditions, availabl e at: www.uscourts. gov.

Defendant's Signature Date _ _ _ _ _ _ _ _ _ _ __

Case 5:24-cr-00132-M Document 33 Filed 05/08/25 Page 4 of 7
AO 2458 (Rev. 09/19) Judgment in a Criminal Case
Sheet 30 - Supervised Release
5_
Judgment- Page _ _ of 7
DEFENDANT: LORETTA CLARICE JAMES
CASE NUMBER: 5:24-CR-132-1M

SPECIAL CONDITIONS OF SUPERVISION

The defendant shall participate as directed in a program approved by the probation office for the treatment of narcotic
addiction, drug dependency, or alcohol dependency which wi ll include urinalysis testing or other drug detection measures
and may require residence or participation in a residential treatment facility.

The defendant shall participate in a program of mental health treatment, as directed by the probation office.

The defendant shall not incur new credit charges or open additional lines of credit without approval of the probation office.

The defendant shall provide the probation office with access to any requested financial information.

The defendant must make restitution in accordance with 18 U.S.C. §§ 3663 and 3663A or any other statute authorizing a
sentence of restitution .

The defendant shall submit to a search , at any time, with or without a warrant, and by any law enforcement or probation
officer, of the defendant's person and any property, house , residence, vehicle, papers, computer, other electron ic
comm unication or data storage devices or media, and personal effects upon reasonab le suspicion concerning a violation
of a condition of supervised release or unlawful conduct by the defendant, or by any probation officer in the lawful
discharge of the officer's supervision functions. The court notes that Fourth Circuit precedent may require that a probation
officer have some particularized suspicion to render certain searches lawful , and the court imposes lawful searches.

Case 5:24-cr-00132-M Document 33 Filed 05/08/25 Page 5 of 7
AO 245B (Rev. 09/19) Judgment in a Criminal Case
Sheet 5 - Criminal Monetary Penalties
Judgment - Page 6 of 7
DEFENDANT: LORETTA CLARICE JAMES
CASE NUMBER: 5:24-CR-132-1 M
CRIMINAL MONETARY PENALTIES
The defendant must pay the total criminal monetary penalties under the schedule of payments on Sheet 6.

Assessment Restitution Fine AVAA Assessment* JVTA Assessment**
TOTALS $ 100.00 $ 1,921 ,205.98 $ $ $

D The determination ofrestitution is deferred un til
-----
. An Amended Judgment in a Criminal Case (AO 245C) will be
entered after such determination .

~ The defendant must make restitution (including community restitution) to the follow ing payees in the amount listed below.

If the defendant makes a partial payment, each payee shall receive an approximately proportioned J?ayment, unless specified otherwise in
the priority order or percentage payment column below. However, pursuant to 18 U.S.C. § 36640), all nonfederal victims must be paid
before the United States is paid.

Name of Payee Total Loss*** Restitution Ordered Priority or Percentage
Small Business Administration $1 ,867,487.00 $1 ,867,487.00

Lendmark Financial Services, LLC $26 ,971 .13 $26 ,971 .13
Time Financing Service $5,728 .34 $5,728.34

One Main Financial $7,500.00 $7,500.00

Century Finance, Inc. $3,519 .51 $3,519.51

Regional Finance, Inc. $10 ,000.00 $10,000.00

TOTALS $ 1,921 ,205.98 $ 1,921 ,205.98
----------

D Restitution amount ordered pursuant to plea agreement $

D The defendant must pay interest on restitution and a fine of more than $2,500, unless the restitution or fine is paid in fu ll before the
fifteenth day after the date of the judgment, pursuant to 18 U .S.C. § 36 l 2(f). All of the payment options on Sheet 6 may be subject
to penalties for delinquency and default, pursuant to 18 U.S.C. § 3612(g).

It] The court determined that the defendant does not have the ability to pay interest and it is ordered that:

It] the interest requirement is waived for the D fine It] restitution.
D the interest requirement for the D fine D restitution is modifi ed as fo llows:

* Amy, Vicky, and Andy Chi ld Pornography Victi m Assistance Act of 20 18, Pub . L. No . 11 5-299.
** Justice for Victims of Trafficking Act of 2015 , Pub. L. o. 114-22.
** * Find ings for the total amount of losses are required under Chapters 109A, 110, 11 OA, and 113A of Title 18 fo r offenses commi tted on
or after September 13, 1994, but before April 23, 1996 .

Case 5:24-cr-00132-M Document 33 Filed 05/08/25 Page 6 of 7
AO 2458 (Rev. 09/ 19) Judgment in a Criminal Case
Sheet 6 - Schedule of Payments

Judgment - Page ___J__ of
DEFENDANT: LORETTA CLARICE JAMES
CASE NUMBER: 5:24-CR-132-1M

SCHEDULE OF PAYMENTS

Having assessed the defendant' s ability to pay, payment of the total criminal monetary penalties is due as follows:

A D Lump sum payment of$ due immediately, balance due

D not later than , or
D in accordance with □ C, D D, □ E, or □ F below; or

B ~ Payment to begin immediately (may be combined with □ c, D D,or 0 F below); or

C D Payment in equal _ _ _ _ _ (e .g., weekly, monthly, quarterly) installments of $ ____ over a period of
(e. g. , months or years), to commence _ _ _ _ _ (e.g. , 30 or 60 days) after the date of this judgment; or

D D Payment in equal _ _ _ _ _ (e.g. , weekly, monthly, quarterly) installments of $ ____ over a period of
(e. g. , months or years), to commence _ _ _ _ _ (e.g. , 30 or 60 days) after release from imprisonment to a
term of supervision; or

E D Payment during the term of supervised release will commence within _ _ _ _ _ (e.g., 30 or 60 days) after release from
imprisonment. The court will set the payment plan based on an assessment of the defendant's ability to pay at that time; or

F liZI Special instructions regarding the payment of criminal monetary penalties:
The special assessment and restitution shall be due in full immediately. If defendant is unable to pay in full
immediately, this may be paid through the Inmate Financial Responsibility Program (IFRP). The court orders that
the defendant pay a minimum payment of $50 per month after release .

Unless the court has express ly ordered otherwise, if this judgment imposes imprisonment, payment of criminal monetary penalties is due during
the period of imprisonment. All criminal monetary penalties, except those payments made through the Federal Bureau of Prisons' lnmate
Fi nancial Responsibility Program, are made to the clerk of the court.

The defendant shall receive credit for all payments previously made toward any criminal monetary penalties imposed.

D Joint and Several

Case umber
Defendant and Co-Defendant Names Joint and Several Corresponding Payee,
(including defendant number) Total Amou nt Amount if appropriate

D The defendant shall pay the cost of prosecution.

D The defendant shall pay the following court cost(s):

Ill The defendant shall forfeit the defendant 's interest in the following property to the United States:

as specified in the Preliminary Order of Forfeiture entered on May 8, 2025 at DE 29.

Payments shall be a_pplied in the following order: (1) assessment, (2) restitution principal, (3) restitution interest, (4) AV AA assessment,
(5) fine principal , (o) fine interest, (7) community restitution, (8) JVTA assessment, (9) penalties, and (10) costs, including cost of
prosecution and court costs.

Case 5:24-cr-00132-M Document 33 Filed 05/08/25 Page 7 of 7

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