I received numerous calls from Cohen, Schwartz and Associates. They claim to be attorneys and they are filing criminal charges against me for a payday loan that i had in 2007. They say the charge is 'Internet Depository Check Fraud'. The payday loan was with LoanPoint USA. I am in California and I know that criminal charges can't be filed for a payday loan. I don't even remember this loan as it has been over 5 years. I just want to know what exactly this charge is. And, is there a statute of limitations on payday loans.