Unfair and Deceptive Acts and Practices: 6.9.5 Live Check Solicitations
Many consumers become obligated to pay for goods or services when they deposit or cash checks they receive in the mail from a business. The checks are payable to the consumer for a small amount of money, even though the business owes no money to the consumer. The business then takes the position that depositing or cashing the check constitutes an agreement by the consumer to enter into a contract to purchase goods or services or to take out a loan.