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If this is the first time this has happened to you, and if your creditors are feeling generous, they may waive the fees. Ask the creditor to wait until you have the money in your account.
You could give the creditor a specific date and ask them to wait for payment until then.
They should watch for the check to arrive and only cash it if the date you've indicated has passed.I found that they had cashed a check that I had postdated three days early.To avoid any troubles, I send in my rent check early, but postdate the check with the date my rent is actually due.I called them with a smug but calm demeanor of someone who knows they have proof of an injustice. Postdating a check is meaningless, the Chase rep explained.
Chase looks at it as an informal agreement between the person who writes the check and the person who cashes it. More people are running into trouble because of Check 21, which clears checks much faster.
If your creditor won't take no for an answer and insists on getting the check right away, notify your bank, in writing, that you've written a post-dated check, and ask them to wait until the date on the check to cash it.