XXX Chats

azdg dating usa usa

Is post dating checks illegal in colorado

For example, it prohibits debt collectors from accepting checks postdated more than five days away, unless the debt collector has notified the check writer in writing it will do so.

Also, debt collectors cannot threaten someone with cashing postdated checks early.

In Georgia, a bank may pay a postdated check before the date on the check unless the customer who writes the check notifies the bank of the postdating and sufficiently describes the check.

The notification not to pay the postdated check until the check’s date is valid for six months; however, if the customer’s notification was made verbally without also putting it in writing, the customer’s notification remains valid for only 14 days.

Generally, a bank is permitted to cash your check when it receives it, even if the check is paid before the date on the check and even if it causes the check writer to incur bounced-check fees.

The only way you can spare yourself from having the check cashed early is by notifying the bank in advance. Questions can be answered only through this column.

The law requires you to describe the check with reasonable certainty, including providing your account number, the date on the check, the check number and amount, and the name of the person or company named on the check.

And you have to make sure you provide all this information before the bank receives the check.

Some states, including California and Georgia, place responsibility on check writers to ensure their checks are not cashed or deposited too quickly.

Other states, like West Virginia, place responsibility on the person the check is written to.

With an oral notice, your request is good for only 14 days.

Your request should include the recipient's name, your account and check numbers, and the check's amount.

Comments Is post dating checks illegal in colorado