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The written notice must be provided at least three but no more than ten business days prior to the collector depositing the check.

In other words, if on July 1 a debt collector accepts a check postdated for August 1, the collector may not deposit the check before August 1; if the collector intends to deposit the check on August 1, the collector must notify the maker in writing of such intent no later than July 29 but no earlier than July 18.

The law also prohibits the recipient of a postdated check from intentionally cashing or depositing the check prior to the check’s date if the recipient represented that postdating the check would prevent the check from being deposited or cashed prior to the check’s date.

The same law disallows an organization from making the same representation but then cashing or depositing the check without reasonable procedures in place to prevent the premature cashing of the postdated check.

Many states have laws addressing postdated checks and consequences for cashing a postdated check before the check’s date.

You should check the young man’s account contract to see what it says about postdated checks and your fee for that service--your account contract with him can amend the UCC (I wonder if he learned that in school? He may owe the bank money for contacting you and using this service.

Can you shed some light on this and give us the portion of the code to quote him?

We were always under the assumption that a post dated check could clear when presented. Well, you can tell him that class is in session and you are the professor.

Other states, such as West Virginia, place the responsibility of avoiding the premature deposit or cashing of a postdated check on the recipient of the check.

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.

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And then do the next 100 miles in a horrible, slobbering sort of spastic stupor. Because it goes without saying that we can't turn him loose. Finally two salesmen brandishing tire irons came to the door and we managed to negotiate the sale through a tiny slit. ""Just fill the goddamn tank," my attorney snapped. We're on our way to Las Vegas for a desert race.""What? "We're responsible people." I watched him put the gas cap on, then I quickly poked the thing into low gear and we lurched into traffic."There's another worrier," said my attorney. Then we ate the mescaline and went swimming in the ocean. "The medicine, yes, it's right here." I reached into the kit-bag for the amyls. "As your attorney, I advise you to stop and take a swim."I shook my head. He was losing his grip on the bar, sinking slowly to his knees, but still speaking with definite authority: "This is a magic moment in sport! and with the race about to start, we were dangerously disorganized. One of the things you learn, after years of dealing with drug people, is that is serious. ...trange memories on this nervous night in Las Vegas. San Francisco in the middle Sixties was a very special time and place to be a part of. but no explanation, no mix of words or music or memories can touch that sense of knowing that you were there and alive in that corner of time and the world. My central memory of that time seems to hang on one or five or maybe forty nights – or very early mornings – when I left the Fillmore half-crazy and, instead of going home, aimed the big 650 Lightning across the Bay Bridge at 100 miles an hour wearing L. Bean shorts and a Butte sheepherder's jacket ... There was a fantastic universal sense that whatever we were doing was that we were winning. And that, I think, was the handle – that sense of inevitable victory over the forces of Old and Evil. We had ordered everything into that room that human hands could carry – including about 600 bars of translucent Neutrogena soap. At a cocktail party for narcotics agents and their wives at the Dunes?

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