Question On Where to Send A4V
A4V for Credit Cards — Who Do You Send It To?
Q: When you send in an A4V for a credit card, do you send it to the company that’s billing you (credit card company) or to the IRS UCC contract trust in Washington D.C.?
A: You always send in a payment with a contract containing clear terms and conditions that bind the company to those terms. By retaining the instrument, they become bound under law. If you simply “send in an A4V,” they aren’t obligated to do anything — because there are no instructions or demand for performance. The key is to draft a comprehensive, law-binding, and enforceable contract. You should also register your instrument on a UCC-1 and UCC-3 financing statement.
You send it to the lender who is owed the debt. This might not be the company that is billing you. For example, in mortgages or student loans, lenders often hire a third-party servicer. You should always address your communication to the lender, care of their corporate headquarters, attention CEO or CFO, because only they can agree to a contract that binds the corporation to those terms.
Lower-level departments (billing, managers, or vice presidents) can perform operational tasks but their decisions are not binding on the company. Only the CEO, CFO, or President can make decisions that cannot be overturned. While lower-level employees may agree to discharge a debt, if that action falls outside their job description, it can later be reversed.
Debts involving the IRS are different — only IRS obligations are sent to the IRS c/o the CFO Pamela LaRue to bind the agency.
Hope this helps.
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