My question involves criminal law for the state of: Pennsylvania
Almost four years ago Swim obtained an installment Personal loan using swim’s fathers social security number. Loan was just paid in full 4 months early.
Swim has reason to believe the loan company knows what happened since his father passed away two years ago, and some other things that recently happened. Like him missing a few payments etc.
Is it likely they would still press charges and if they do, would Swim be on the hook for theft by deception or fraud considering the loan is paid in full early?
If so does swim have a good defense considering the loan is paid off?

