An Apopka woman faces serious charges after a federal grand jury indicted her for allegedly defrauding an elderly individual through deceptive phone and email tactics. Xin Liu, who is 40 years old, is accused of concocting a scheme intended to mislead and financially damage an unsuspecting victim, as stated in an announcement from John P. Heekin, United States Attorney for the Northern District of Florida.
On December 23, 2025, Liu appeared before United States Magistrate Judge Midori A. Lowry for arraignment in federal court, according to a statement from the Department of Justice. The case is slated for trial on January 28, 2026, when it will fall to Chief District Court Judge Allen C. Winsor to preside over the legal proceedings. Should she be found guilty, the defendant is looking at a potential two decades behind bars.
Investigation into the alleged fraud was a collaborative effort involving the Federal Bureau of Investigation, the Internal Revenue Service – Criminal Investigations, and the Gainesville Police Department. Liu's prosecution is in the hands of Assistant United States Attorney Adam Hapner. While the charges are grave, the principle of presumption of innocence until proven guilty remains foundational to the American legal system. It is upon the government to carry the burden of proving Liu's guilt beyond a reasonable doubt once the trial commences.
The United States Attorney’s Office, for the Northern District of Florida, reminded the public that an indictment merely suggests that a grand jury believes there's enough evidence to proceed with charges and does not equate to a conviction. As the case moves forward, public records from the U.S. District Court for the Northern District of Florida can provide those interested with up-to-date information regarding court proceedings and pertinent documents. Detailed information and updates about the United States Attorney's Office, Northern District of Florida, can be accessed through their official website.
