A money order is a type of device that can be used to make payments to another individual or business. This is similar to a check except that the funds are not drawn from your bank account. With a money order, you provide the cash for the order up front to a third party. The money order is then created, and you can send it to the party to whom you owe money. The United States Post Office is the entity that most commonly issues money orders. 

Many creditors prefer money orders for payments instead of personal checks. You could potentially write a personal check without having the money in your account. When trying to deposit the check, the creditor may not actually get any money out of your bank account as a result. With a money order, this is never a problem. In order to get a money order, you have to have the cash up front. The creditor knows that you have already paid a trusted source, which means that there will be no problem for the creditor to get access to the money. This is a safer method of payment and is required in certain circumstances. 

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