If it's deposited or cashed by a depositor you retain your right of offset. The sticky part is that they tend to come back weeks or even months later - often after the funds are long gone.
Items cashed for non-customers are still enforcable against that individual, assuming you can find them. The one advantage you have is that the recipient's address is usually printed on the PMO.
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If you approach life with pure logic you can avoid almost all of the fun.