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Post dating a check

If they cash them early they are in violation of the Fair Debt Collections Practices Act. Ten years ago right out of school I got behind in loans and defaulted.

I worked with a collection agency to get back to clean status, and they required me (or at least talked me into) submitting a couple of post dated checks to get things rolling.

The Answer: My first question for you: Why do you want to close it so badly?

I can tell you generically that closing this account will not help your score.

State: Georgia I got a call from my landlord today complaining that my rent check was post dated, and that I needed to send a new one ASAP.

I have done so, but my confusion is that she said that post dating a check is illegal.

Banks do not look at the dates and will and can run them through early.

When you give a post dated check to someone for a purchase, it is considered a debt as they have extended you credit. Post dating a check IS legal, but it does NOT prohibit the recipient from cashing it.

You can post date a chk, but you are taking your chances.

And no, it's no longer a defense to the principle amount and the INF fees to say, "Well, it was postdated!

" Sorry, Charlie, but you'd be on the hook for those fees. Secondly, "mailing" a payment on a bill is a "convenience".

They honored their promise not to cash until the proper date, but it was a nervous few months, since I really didn't know if theyd wait.

On the other side, I can also say I have had post dated checks cashed early.

667 comments

  1. All above is correct. Post dating a check IS legal, but it does NOT prohibit the recipient from cashing it. Once you give a check to someone, it's legal tender - even.

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