California. Thanks for the information. I checked some documents and found the definition of a 'debt collector' to be an agency or lawyer that collects debts regularly. In this case the person who deposits the check is an individual, and the check is paid to his own name. This seems not a debt collector under FFDCPA, and the check has something to do with the return of security deposit and rent. The UCC seems to regulate the banking behavior, I understand it as bank has no responsibility for the earlier payment of the post dated check. But is there any law or state code which says an individual cannot deposit or cash the post dated check prematurely? May be my question can be interpreted as, under Californian law, can an individual be defined as a debt collector? And what could be the result if
this is the case, should he be arrested or be subject to any charges like the overdrafting fees charged by the drawee's bank to the person who wrote the post dated check?
Thanks!!