Post dating checks in massachusetts dating private label rights
The regulations apply to original creditors (including their attorneys), third-party debt collection agencies, and buyers of delinquent debt who hire third parties, including attorneys, to collect debt on their behalf.
Creditors and debt collection agencies are permitted to try to locate a debtor by contacting persons other than the debtor or persons residing in the debtor's household, if the creditor or debt collection agency reasonably believes that it no longer has current information on the debtor's location.
Even simplistically, one might lose a postdated check while waiting for the date to come.
Postdated checks also might be used in some kind of scam or fraud, especially when they are dated for a long time away from the current date.
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In such instances, one's checking account might be overdrawn, as the check might be paid before the drawer was ready to have it paid.
If you’re unwilling or unable to pay your bank to monitor your account, you’re at the mercy of whoever you give the check to.
Even if your payee is honest, they may make the honest mistake of forgetting (and leaving you with bad check fees).
Postdated checks are written to be drawn from the checking account only after a certain date.
In other words, postdated checks only become "functional" after the date mentioned on the checks.This means that the initial holder of postdated checks cannot use them until the date on the checks has come.
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