They are commonly resolved in a small claims court civil suit.
Checks returned “Unauthorized Drawer’s Signature(s)” are usually forgeries signed by someone other than the owner of the checking account.
Maine has a statute that accepts postdating, but only if you notify the bank of your intent.
Vermont does something similar and I'm sure other states do, too.
(f) Soliciting, purchasing, or receiving an assignment of a claim for the sole purpose of instituting an action on the claim in a court.
(g) Advertising or threatening to advertise for sale a claim as a means of forcing payment of the claim, unless the collection agency is acting as the assignee for the benefit of creditors or acting under an order of a court.
After referral to an attorney, the creditor shall be the client of the attorney, and the licensee shall not represent the client in court.Checks stamped “Refer To Maker” or Uncollected Funds” may require additional investigation before being charged criminally.Checks Stamped “Stop Payment” may be subject to criminal prosecution, but are typically legitimate means of dealing with a contractual dispute. BUT, many state laws are based on the Uniform Commercial Code which has a provision that states that a bank can process a check even if the written date on it has not yet come due (meaning, just because you post-dated it doesn’t mean it’s illegal for it to be processed early).The “post-date” is not illegal, but also isn’t worth much as far as ensuring the check processing date either.