Not typically. Although pay day lenders can be sneaky.
Here are a few ways that lenders may attempt to send Johnny Law looking for you:
1. You committed fraud. If the check you wrote belonged to another or was counterfeited.
2. You committed theft by deception. This happens when you write a check on an account that was already closed or closed the account yourself soon after writing the post-dated check. In some cases, it can apply when you order a stop payment on the check.
3. You ignore requests to appear in court. This is by far the most common method used. If you get an order to show in court, SHOW. If you don't, not only will you lose by default but the company will request a date for an order for you to show cause. If you're a no show for this as well, the judge will ask if the company would like a bench warrant issued. If they say yes, the police will come to your home or place of work, hand cuff you and take you to jail. This IS NOT for the debt, but for your disrespect of our judicial system and ignoring you order to appear in court.
My advice, pay the $55.
Most company's are VERY easy to work with, if your broke, bring in $5 and tell them it's all you have and you'll be in again in a couple weeks.
They may still pursue it legally, but if you can tell the judge you've been doing all you can and your even making payments, it'll go far.
A little hint for you, judges generally hate pay day lenders.