In the state of Kansas, can payday loans press charges against you for not paying back loan?

I took out a payday loan about a year ago, and I have been harassed by companies saying they are pressing charges. In the state of Kansas, is it legal under Kansas Statutes for them to prosecute you for check fraud? Or is it just the collection company using the loan shark tactic? What if you used a check from a... show more I took out a payday loan about a year ago, and I have been harassed by companies saying they are pressing charges. In the state of Kansas, is it legal under Kansas Statutes for them to prosecute you for check fraud? Or is it just the collection company using the loan shark tactic? What if you used a check from a closed account as well...
Update: ....is there jail time possibilities for this? or just the fines and payment?