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

In Kansas, debt collectors cannot send post-dated checks to you, regardless of the amount of debt you owe. This includes checks for repayment of debt. Kansas consumer debt defense law requires that all payment arrangements with debt collectors be made in writing so that borrowers are aware of all the terms and conditions associated with the repayment plan, including when payments are due. Post-dated checks may be used as collateral for a loan, but they cannot be used as payment for any debt. Debt collectors must follow the law when collecting debt from consumers and sending post-dated checks are prohibited. This helps protect consumers from being tricked into paying more than they owe or having their accounts fall into arrears due to post-dated checks. If a debt collector sends you post-dated checks, it is important to contact the collector immediately and let them know that the check is not acceptable. Consumers should document their conversations with the debt collector and any attempts by the debt collector to collect payment that doesn’t meet the requirements of Kansas consumer debt defense law. Consumers can also contact the Kansas Office of the Attorney General if they have been sent post-dated checks or otherwise feel like their rights as a consumer have been violated.

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

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