Creditors Rights Law
Can A Creditor Take A Post-Dated Check?
A collector can ask the debtor to write a postdated check, but they cannot be required to do so. If the debtor gives a collection agency a postdated check, under federal law the check cannot be deposited before the date written on it. And if the debtor gives the agency a check with the date more than five days in the future, the collector must give them timely written notice before the check is deposited.