I moved here end of 2008 and stopped making payments to my loan and credit card. Did not hear from them at all until now, almost 4 years later. They have sent a final notice email and contacted a family member in Redondo Beach threatening INTERPOL action. I didn't think they had jurisdiction in the US to criminalize me, though I understood that I could never go back to the UAE. What can I do if I cannot pay back? Is it better to ignore any calls and deny my identity or should I hire a lawyer, and if so, what kind? And when does their right to pursue me expire?