What is the name of your state? KY**************....I have been paying off a credit card that was turned over to a law firm debt collector since August and have not missed a payment. My husband lost his job the first of May. I had a post dated check that was to be deposited on the 20th. I called the bank and asked them to stop payment on the check because I did not have the money to cover it and wanted to avoid the NSF charge. They are now calling me. I told the lady who called what happened. She said she would have her manager calll me back on Monday. Can they prosecute me for a cold check? I am planning to pay the entire amount in July when my husband gets his 401k money and I told her this.