Sorry about that, I didn't get a message from the Site that you had responded and just happened to glance at it. We seem to be having some bugs. Anyway, as I mentioned, if I was your criminal
defense attorney I would tell you not to say anything at all. Nothing you can say to law enforcement can help your case. They are not in the business of helping you, they are in the business of building cases. So, unless you have a criminal defense attorney who recommends that you speak to the police, then you should not say anything to her, or anyone else who is not your attorney, about the facts of this case.
Ultimately if there were charges, then your attorney could decide what tactic to take. If she actually signed the checks, then there is no criminal issue here. In other words, you haven't forged anything. She would somehow have to say she signed blank checks and you stoled them, which could never be proven. On the other hand, if you signed her name, then that is technically a forgery, however, as I mentioned, highly unlikely in these circumstances it would be prosecuted. But again, no statements should be made. Especially one where you acknowledged you signed or used the checks at all.
As for the delay, it really isn't the same thing as a police officer with a speeding ticket. That would not be legal since the officer has to ticket at the time they observe. This is very different, there is a longer statute of limitations and as long as the State meets that, they can prosecute many months, and sometimes years, after the criminal act.