Criminal charges generally will take less than three months. Fraud requires proof of you intentionally engaging in the conduct. A mistake may prevent prosecution. I suggest that you cease any further communications with the Loss Prevention Manager and by no means no communication whatsoever with law enforcement, detectives or investigator. Invoke your right to remain silent. That means under the recent Supreme Court case, you must not say anything. Have money to pay a bond in cash readily available so that a friend could use to go in your home and retrieve for purposes of bond ing you out off jail. Hire an attorney.