Post-Dated Checks in Debt Collection

by Nicholas Ortiz, Boston Bankruptcy Attorney

October 9, 2007

Massachusetts regulations prohibit a debt collector from requesting or demanding a post-dated check for payment of all or some of a debt. Many debt collectors violate this regulation in Massachusetts because federal law allows for the use of post-dated checks in debt collection. (Note that under a federal law a notice of intent to deposit is required when a check post-dated by more that five days. 15 U.S.C. 1692f(2).)

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Nicholas Ortiz, Boston Bankruptcy Attorney

From Attorney Ortiz: We have been helping consumers and small businesses in Massachusetts successfully navigate through the bankruptcy process since 2002. We offer free initial consultations and payment plans. Call us at 617-716-0282 to discuss your debt relief options. Mention the Bankruptcy Law Network when you call!

Last modified: October 9, 2007