Because the crime of contract fraud refers to the act of defrauding the other party of a large amount of property by fictional facts or concealing the truth in the process of signing and performing a contract for the purpose of illegal possession. If the intermediary finds someone else to sign the contract instead of your wife, it has constituted the crime of contract fraud. Even if you have paid off your debts, you can't be exempted from legal responsibility.
The constitutive elements of the crime of fraud include the following three aspects:
1, behavioral elements: refers to the specific behavior of committing fraud. The behavioral elements of the crime of fraud refer to the act of using false facts or concealing the truth to defraud others of their property;
2. Object elements: refers to the object of a crime, that is, the property that has been defrauded. The objective elements of the crime of fraud refer to the property actually owned, mastered and disposed of by the deceived person in the criminal act;
3. Subjective elements: refers to the subjective psychological state of crime. The subjective elements of the crime of fraud refer to the criminal's intention to achieve illegal possession by deception for the purpose of illegal possession. In other words, the criminal must have a clear purpose of illegal possession, not for other purposes or negligence.
The term of imprisonment and fine for fraud is as follows:
1, the amount of fraud is more than 1 10,000 yuan, or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined or confiscated;
2. If the amount of fraud is more than 500,000 yuan but less than 6,543.8+0,000 yuan, or if there are serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years, and shall also be fined;
3. If the amount of fraud is more than 200,000 yuan but less than 500,000 yuan, or if there are serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than one year but not more than five years, and shall also be fined;
4. If the amount of fraud is more than 10,000 yuan but less than 200,000 yuan, or if there are general circumstances, he shall be sentenced to fixed-term imprisonment of not less than six months but not more than three years, and may also be fined;
5. If the amount of fraud is less than 10,000 yuan or there are minor circumstances, it shall be sentenced to criminal detention of not more than six months or fined.
To sum up, there are acts such as fraud and false propaganda in the process of borrowing, so there may be other legal responsibilities. It is recommended to consult a professional lawyer and evaluate and deal with it according to the specific situation.
Legal basis:
Article 224 of the Criminal Code of People's Republic of China (PRC).
Under any of the following circumstances, it constitutes the crime of contract fraud. In the process of signing and performing a contract, the other party is defrauded of property for the purpose of illegal possession. If the amount is relatively large, he shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also or shall only be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined or confiscated:
(1) Signing a contract in the name of a fictitious unit or others;
(2) Mortgaging with forged, altered or invalid bills or other false property rights certificates;
(three) to perform a small contract or part of the contract first, to deceive the other party to continue to sign and perform the contract, and to have no actual performance ability;
(4) After receiving the payment for goods, advance payment or secured property paid by the other party;
(5) defrauding the other party's property by other means.