My question involves collection proceedings in the State of: Kentucky I am very upset. I live in Ohio, just 5 minutes from Kentucky. I just received a call from a "law office" telling me that I am about to be prosecuted for check fraud due to a defaulted payday loan in Kentucky, dating 2005. I do know that I took this loan out, but I lost my job and was unable to pay it back. I was never contacted before now. Is this possible? I am new here, so I appreciate any help. Thanks.