Can they get me for fraud if I was paying until bank closed my account, and was unaware that the loan hadn't gotten paid off until recently?

I got a payday loan in 2011, and was making the payments. The bank I was with closed my account since I could not keep enough money in my account. I thought the payday loan had been paid off. But now I am getting these emails from payday places I don't even know. They are stating that I am going to be arrested for check fraud, and that I am going to be getting papers to go to court for lots of money that I owe. I know for sure now that there was less than $100 owed to finish paying off this loan, but my computer crashed and I can't remember who it was that made the deposit. None of these people are telling me who it was who made the deposit either. Can I be arrested for this and if taken to court, what should I do? I am unemployed and haven't worked in several years. I am trying to go back to work but it is hard where I live. I don't speak Spanish, and all the jobs around here want you to speak Spanish and if you don't, you don't get hired. Please, I need some advice on this matter.