Can a payday loan press charges?

I got a "payday" loan / cash advance from the internet...which i never paid back, my bank got messed up. and got into a financial rut. Now 2 years later I got a call from a lawfirm "warning" me that they have pressed charges in my name for check fraud, stealing money and something else. Is this... show more I got a "payday" loan / cash advance from the internet...which i never paid back, my bank got messed up. and got into a financial rut. Now 2 years later I got a call from a lawfirm "warning" me that they have pressed charges in my name for check fraud, stealing money and something else. Is this their way of scaring me into paying them back or can they really put me in jail for this? HELP!!!!!
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