Federal prosecutors, a federal judge and a federal appeals court all agree that the owner of a debt collection agency belongs in jail while he waits for a jury trial to decide whether he is guilty of running a $20 million fraud scheme that victimized California, Nevada and Washington credit unions.

The U. S. Court of Appeals for the Ninth Circuit in Sacramento last week upheld a district court judge’s decision to keep Charles V. Stanley Jr., 64, of Los Angeles in jail after prosecutors determined he allegedly committed additional debt collection crimes while he was free on bail.