Is It Illegal To Make Fake Pay Stubs?

Trying to get a loan but don't have traditional pay stubs? Most lenders demand proof of income, and if you're a small business owner or work for one without fancy accounting software, you might feel stuck.

Don't even think about creating fake pay stubs! That's illegal and unethical. Instead, there's a smarter, safer way.

The answer is a reputable pay stub generator. These services transform your earnings into official, accurate statements that lenders will accept. It's the legitimate way to prove your income and get the loan you need.

Ready to learn how? Let's dive in!

Why Fake Pay Stubs Just Don't Pay

One of the most common reasons people turn to fake pay stubs is unemployment. Put simply, when you're out of work, you'll have no job-related documentation to show a lender. That could leave you denied for that auto or mortgage loan you need. You may be tempted to hop online and watch a YouTube tutorial showing you how to create fake stubs filled with made-up numbers and a fictitious company name.

Yet, as difficult as the situation may be, it's best to be upfront and honest with your bank rather than hide behind a guise that's full of holes. The main reason? If you're caught, you could face hefty fines to the tune of $1 million, not to mention serious jail time of 30 years or more.

Fake Employer Schemes

Using fake stubs to collect disability benefits or file insurance claims? You could be in the middle of an illegal fake employer scheme. In this system, a person or group of people sells fake pay stubs and other phony employment documents to out-of-work persons looking for quick cash.

If you're working with an under-the-table stub generator, think twice about this illegal move. The quick fix could result in a long line of miserable consequences, costing you much more than you ever claimed to make.

Help for Small Business Owners

But, what if you're not unemployed? What if you work for a small business that simply hasn't sprung for the costly and cumbersome accounting software required to generate pay stubs? In that case, there are reputable and recognized professional accounting firms that can take your earnings information and turn it into a legitimate pay stub that's anything but fraudulent.

Given that the data you present to these companies is accurate, these types of documents are not considered fake pay stubs. Keep in mind, however, that if you intend to use them for legal purposes, you may need to get them certified by the company whose name is on the stub. 

Need a Professional Pay Stub Generated? Contact Us Today!

If you're in need of an accurate pay stub but lack the software to make one yourself, we'd love to help. We're a national accounting firm with a reputation for quality and professional service. For a modern variety of check stubs, try our paystubs generator today!