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You can land in legal trouble if you intentionally postdate a check knowing there will be no money in your account or the account will be closed by the check's date.

Your request should include the recipient's name, your account and check numbers, and the check's amount.

For example, it prohibits debt collectors from accepting checks postdated more than five days away, unless the debt collector has notified the check writer in writing it will do so.

Also, debt collectors cannot threaten someone with cashing postdated checks early.

State and federal laws cover the cashing and depositing of postdated checks, and laws vary from state to state.

It's not illegal to postdate a check, unless you're attempting to commit fraud.

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