Re: Gulf State Credit

Posted by Jade (216.130.15.9) on May 28, 2002 at 20:24:47:

In Reply to: Re: Gulf State Credit posted by Anonymous on May 28, 2002 at 17:05:05:

>It is a Federal violation to request post-dated >checks.

Unfortunately, this doesn't appear to be a violation. The response I got from the FTC when I filed my complaint against a CA contained information about what the CA can and can not do. This is the portion about post dated checks:

"Remember also that some collection techniques, while unpleasant or distasteful, are not law violations. For example, a debt collector may:

5) Accept or solicit a post-dated check, if the collector does not deposit it before the date on the check."

So, it appears that they are allowed to ask for and accept a post-dated check, just not allowed to deposit it early.

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