If the loan agreement was entered in California and I am assuming you are a California resident then this Penn law firm cannot practice law in this state unless they have a licensed CA attorney on their staff. The threat of theft charges is full of hot air. No prosecuting agency in California would file such charges if you entered into a loan agreement if you failed to pay them back on the loan and it is also unethical for them to threaten you with criminal charges, at least in California. First, found out if anyone in their firm is licensed to practice in California and get their name and bar number. Second, if they do have such a CA lawyer then deal only with the CA lawyer and if they threaten yo with criminal charges report them to the state bar. Their only remedy is to sue you in civil court for the amount owed on the loan. They may be able to obtain attorneys fees and court costs as that is usually set forth in the loan agreement. Good luck.