legal research group paydayu loan jail time detroit, Michigan

i was contacted by legal research group about a payday loan that i took out in 2007. it is 2013 now. this loan was over internet , i made oe payment back then, since then i fell on hard times and could not m,ake any payments. 

Now there are saying they have video of me walking into establishment, cashing check , and committing bank fraud. I Live in TX and the sol is 4 years. also i did this over internet so how can they even have video?

They say it is also bank fraud and i am going to do prison time. I googled them andit looks like they are attorneys. i know i shouda paid it. but i am in hard times and cannot. it is past the SOL in texas.

do I lose all rights? what rights do I have? can i really do prison time over a payday loan? be y luck i get put away for life or get death penalty.! i am willing to talk to n attoprny but i cannot afford one. I dont know what i can do if anything.