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Posted: Mon Sep 10, 2007 4:42 am

Thank you! At least we know it's around a 6 month time period! Another forum mystery solved! Thank you! Wink

Guest · Posted: Mon Sep 10, 2007 6:32 pm

hey there i want to know if how will i know if a check is post-dated??.... Rolling Eyes

Posted: Mon Sep 10, 2007 6:35 pm

What do you mean you want to know if a check is post-dated? A post-dated check is one that is dated for a date AFTER the actual date you write the check. You write a check on 09/10/2007, but you post-date it for 09/21/2007. That means it's post-dated. Is that what you mean?

Posted: Tue Sep 11, 2007 8:16 am

I dont get confused easily...but that Guest comment had me scratching my head!

Posted: Tue Sep 11, 2007 8:17 am

You and me both.

Posted: Tue Sep 11, 2007 11:35 am

Never pay anybody with a post dated check. As accounts have shown in this thread it can and will get you into a mess eventually. If you work out a payment plan with a CA then there is no reason why you can not send them a monthly payment as opposed to a bunch of post dated checks. Eventually they will “make a mistake” and cash one they are not suppose to cash yet just to mess with you. I guess PDL’s are a different story since their entire business is based on a post dated payment so in that case it really doesn’t matter what date you put on a single check but in my opinion I would stay away from those places anyway.

To address the issue of how long a check is good for I think it is either 1 year in my state. I have a personal experience with this where I unwillingly was turned into a collector. My roommate sold a set of speakers to some kid on ebay for $600 and said papal or certified check only. Well the guy sent him a personal check and my roommate did not have a checking account yet. Against my better judgment I agreed to cash the check and hold the items until the check cleared. I waited 1 week and then I asked 3 different employees of 3 different branches of my bank if the check was clear and all 3 responded yes so I told my roommate to send the items. Well 2 days later the dang thing bounced and my bank blew me off. I ran that check through the system every month for about 8 months. Basically if a check bounces it gets returned to the person that it was paid to. It took me a while to track his current phone number based on the check but I eventually got it. I guarantee I broke all kinds of FDCPA laws but I doubt any of them would apply or the kid would sue me anyway. He was in CA which is 3 hours earlier than my time zone so I called him every morning when I got up at 7 AM which would be 4 AM his time. His family asked me a number of times to quit calling and I said send me the money or speakers every time. Finally he spoke to me and after 8 months he returned the speakers in good condition.

Posted: Tue Sep 11, 2007 6:54 pm

Oh, dollars! Good Lord! See what happens when you try to be a good guy? Wink

However, once again, great information from you. Apparently it is a year then (at least in our state) since you ran it through for 8 months! Man........ that's a long time.

Posted: Tue Sep 11, 2007 9:06 pm

There is a difference between a check clearing, and a check being paid...this is how the Nigerian scam works.

As for post dated/stale dated checks...you can still try to write or cash one (I think the only exception is in MA...but it might only apply to the solicitation of a post date, though), but can usually be guaranteed that the check will bounce. This is why retail cashiers are trained to not accept them...they use various services to approve or deny checks that use the MICR and typically need a DL...if the check bounces and the standards required by the processing service are not met, the store will not be paid for the check (by the check processor). That is, at least, how I understand checks and retail...

I know that if you use a PD check as a down payment on a car, they can use it as leverage against you for the sale...

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