What is the legal ruling on cashing a post-dated check for less than its value before its due date out of necessity?

If the relationship is solely between the creditor and the debtor, and there was no prior agreement to discount a portion of the debt in exchange for accelerating its payment, then there is no harm in accepting a check for less than its value before its due date, especially when there is a need for it. This is what some scholars, such as Ibn Abbas and Ibn Taymiyyah, permitted, and it has been adopted by theInternational Islamic Fiqh Academy, provided that no third party is involved in the transaction.