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The only thing that is supposed to happen is that you get sued and then they try to collect on their judgment.
They often threaten that you will have charges filed against you, etc. but that is not supposed to happen. There are a few DAs who have filed charges on things like this but they are catching a lot of flak over it because the basis for the charges is bogus. If this is one of the Payday loan companies where you are supposed to give them postdated checks, they will threaten you with "hot check" charges but those aren't available for post dated checks. The only thing they can really pursue criminally is if you lied about something on the application.