A fraud is a false representation of a matter of fact which is intended to deceive another.
- a person made a material false statement
- he knew the statement was false
- he intended to deceive the victim
- the victim justifiably relied on the false statement
- the victim was damaged
- In re Mau, 293 B.R. 919, 923 (Bankr. C.D.Ill. 2003)