Can a debt collector send me a post-dated check?

In the state of Washington, debt collectors are not allowed to accept post-dated checks as payment for debt. This means that a debt collector cannot ask or require a consumer to issue a post-dated check in order to fulfill their debt obligation. The Washington State Collection Agency Act (RCW 19.16) restricts the collection activities of debt collectors in the state who are attempting to collect consumer debts. Section 19.16.100(5) of the Act prohibits debt collectors from requesting, accepting, or taking post-dated checks, except in certain limited situations. The law states that a post-dated check can only be accepted under very special circumstances, such as when the consumer is writing a post-dated check to secure a loan by a consumer credit reporting agency. Any other form of post-dated check from the consumer is prohibited. It is important to note that debt collectors in the state of Washington are not allowed to threaten criminal charges against you for issuing a post-dated check. It also does not give debt collectors the right to refuse payment for a debt in any form. The Washington State Collection Agency Act and other consumer protection laws are in place to protect consumers from debt collection harassment and to ensure their rights are protected. If a debt collector is asking you to issue a post-dated check, we suggest that you contact a consumer rights attorney to discuss the situation and get advice on how to proceed.

Related FAQs

What is a creditor’s rights attorney?
Can I be sued for a debt after the statute of limitations has expired?
How can I stop debt collectors from calling me?
What should I do if I am being sued for a debt?
Can a debt collector threaten to call the police?
What happens if I don’t pay a debt in full?
What should I do if a creditor refuses to negotiate?
Can I be sued for a debt after it is sold to a collection agency?
What is the difference between debt settlement and debt consolidation?
Can a creditor garnish my wages?

Can a debt collector send me a post-dated check?

Related FAQs

Related Blog Posts