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Post dating checks illegal michigan

A debt collector who commits one of the prohibited collection practices faces civil penalties.

Many states have laws addressing postdated checks and consequences for cashing a postdated check before the check’s date.

Some states, such as Georgia, put the onus on the maker of the postdated check to ensure that the check is not cashed or deposited prematurely.

The person, which I found on backpages, after we met, said she was only 16, and she was going to my job.

Because I make most payments (like my mortgage) online, it’s not too often that I bust out the checkbook.

The written notice must be provided at least three but no more than ten business days prior to the collector depositing the check.

In other words, if on July 1 a debt collector accepts a check postdated for August 1, the collector may not deposit the check before August 1; if the collector intends to deposit the check on August 1, the collector must notify the maker in writing of such intent no later than July 29 but no earlier than July 18.

The law also prohibits the recipient of a postdated check from intentionally cashing or depositing the check prior to the check’s date if the recipient represented that postdating the check would prevent the check from being deposited or cashed prior to the check’s date.

The same law disallows an organization from making the same representation but then cashing or depositing the check without reasonable procedures in place to prevent the premature cashing of the postdated check.

If you’re going to write a postdated check (or receive one), here are some things you should know!

When you postdate a check, you put a future date on it.

Debt collectors are prohibited from depositing or threatening to deposit a postdated check prior to the date on the check.