Please go see an attorney. See if you can get a suit brought for a contingent fee (a percentage of recovery) which means you won't have to pay up front. I believe that the FDCPA probably refers to the practice of debt collection people soliciting post-dated checks, but it may be simply that their failure to return it to you is enough to constitute liability. Whatever, your bank shouldn't have cashed it either, so there's a potential nother defendant.Sue 'em all and let the goddess sort it out!
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