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November 21, 2017

13 ways to get sued as a Notary

Many people become Notaries to make a few extra bucks and don’t realize there are liabilities in this profession. Here are some ways you can get into trouble as a Notary.

1. You name your business a particular name, advertise with that name, but the name is not registered with your county clerk. Someone could sue you for using their business name.

2. You notarize loans in an Attorney state and the local bar association sues you. This has happened to a few Notaries in Massachusetts, and in Georgia the bar association antagonizes Notaries from time to time.

3. You make a mistake on a signing and your E&O doesn’t cover you. E&O is for NOTARY MISTAKES and not for business mistakes you make with loan signing. If a document is not notarized, your E&O will not cover your mistake. For example if you sign the note wrong, that is not a Notary mistake, that is a document signing mistake.

4. You return documents back late and the Lender sues you because the borrower lost their lock.

5. You make a comment to the borrower about their loan, they cancel, and then the Lender blames you and sues.

6. You decline to Notarize someone whose name on the ID does not match or prove the name on the document. One Notary did exacty this and got sued and lost because her communication skills were so bad, but judge could not understand her side of the story.

7. You get in a car accident on the way to a signing and get sued as a result of the accident.

8. You make a mistake in a loan signing and then don’t answer your phone or email for days after. The Lender is pulling his hair out and sues you for his bill with Bosley hair transplants.

9. You don’t follow directions on an assignment. You don’t show the documents in the order the client asked you to. As a result, the client changes their mind about signing the document that will get the client their commission. The client loses $5000 because of you, sues you, and wins.

10. You forget to administer an Oath and your state fines you for malpractice. In California there is a $750 fine for each Oath you forget. Fining and suing are different, but the end is the same — you lose. Or should I say, I swear you will lose!

11. You give legal advice or something that can be construed, misconstrued as legal advice. Then, you get sued for UPL. If you give legal advice to a courier company you could get sued for UPL by UPS.

12. You put the wrong date on the Right to Cancel, the borrower thinks they have an additional day, and find out after the fact that they don’t. Good luck. You would be surprised how many Notaries do not know how to date a Right to Cancel.

13. You misrepresent yourself as an immigration expert and defraud some poor and helpless immigrants. Or you advertise as a Notario. You will be cracked down upon by many state governments for this.

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You might also like:

10 risks to being a Mobile Notary Public
http://blog.123notary.com/?p=19459

A Notary gets sued because of a scrambled ID
http://blog.123notary.com/?p=19443

You could get sued if you don’t have a business license
http://blog.123notary.com/?p=7100

Help, I’m being sued and E&O won’t help!
http://blog.123notary.com/?p=3570

The FBI is at your door and names you as a suspect!
http://blog.123notary.com/?p=20013

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November 15, 2017

The way you treat Jeremy might be the same way you treat Title

Many Notaries think they can be stubborn and difficult with me during our interactions. The fact is that I assume that if you are rude to me, that you will also be rude to title companies. Then the Notaries say that because they are paying me, they have the right to be rude to me. What an attitude! These are the same people who think they have the right to claim to know what they are doing when they don’t.

Then I talked to Jen who confirmed my theory. She had many title clients and she said that if a Notary is rude to me, they will be rude to others too. I was thinking that since Notaries get paid by title they will start out polite. But, if anything goes wrong, that the rudeness will come out fast.

My spiritual master says that if someone is rude to one person, then they are just rude and will eventually be rude to everybody. I have no way of proving this true. But, I have seen behaviors of friends who were hostile to strangers. This hostility came to me too, but not right away. I had to wait six years to see that hostility come back to me, but it came loud and clear.

So, if you see red flags, don’t discount those flags. They are real, and the consequences of the behavior is real too.

123notary is a directory that caters to Escrow and Title. We need professional Notaries who take their job seriously. Otherwise, the end users will get a bad impress of me, and I can’t afford that. So, treat me professionally, otherwise I will assume you are unprofessional towards everyone sooner or later.

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November 13, 2017

Notary loses $4000 in legal fees because fraud adds name to Acknowledgment certificate.

When I was a Notary and was handed some other Notary’s work, I normally saw that the he/she/they and capacity(ies) that needed cross outs did not have cross outs. By omitting the cross outs you cannot know if the signer is a single man, woman, or multiple people. California no longer allows Notaries to verify capacity which leaves one less thing to cross out.

If you as a Notary omit to cross out the she/they on an Acknowledgment for a single man, someone could add another name to the certificate and get away with it undetected. Notaries can be extremely negligent and don’t get caught — usually. But, I catch them by the dozen every day and penalize them on my site. I throw hundreds of Notaries off my site for failing my over the phone Notary quizzes. And others stay on the site but I deduct points from their point algorithm results which makes it very hard for them to upgrade. You might not take doing your job correctly seriously, but I do.

And then the Notaries who take their job seriously, but have been doing it wrong for 20 years and think that their work is flawless. I will catch you. I will expose many things you are not doing or are doing incorrectly. Better that I catch you rather than ending up in court with legal fees for not filling out forms correctly. Being a Notary is not rocket science. There is no reason for such negligence!

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You might also like:

Penalties for Notary misdeeds and misconduct
http://blog.123notary.com/?p=2067

13 ways to get sued as a Notary
http://blog.123notary.com/?p=19614

10 risks to being a Mobile Notary Public
http://blog.123notary.com/?p=19459

The FBI is at your door and names you as a suspect!
http://blog.123notary.com/?p=20013

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November 12, 2017

What gets you in trouble as a Notary fast vs. slowly

Filed under: Etiquette,Popular on Linked In — admin @ 3:50 am

As a Notary, there are many ways to get in trouble. Here are a few.

SLOW TROUBLE

Journals
If you don’t keep a good journal, you might get into trouble. But, people will only find out how bad your journal is after you are in court which won’t happen too quickly unless you have bad luck. But, many notaries do eventually end up in court, and you will find out then if you are in trouble for not keeping a good journal. Honestly, being in front of a judge is not the time you want to learn how you should have been keeping your journal. Find out before you are in trouble and save yourself the grief.

Identification.
If you identify people and take liberties doing so, it might take a while before you end up in court. Even if you do so correctly, you can still get in trouble. If the name on the document is not provable based on the ID, then you are going out on a limb notarizing. Also, if you do not thumbprint all signers, if they gave you a fake ID, then you have no paper trail leading to their arrest. You might get away with this for twenty years of sloppiness, and then on year twenty and one day you end up in court as a suspected accomplice in an identity fraud ring. Then you will be sorry. Be prepared and take a thumbprint. Only you can prevent forest fires and identity fraud (not necessarily in that order.)

FAST TROUBLE

Certificates
Not completing certificates will get you into trouble faster than wearing a Rolex in the South Bronx. If there is an error on a certificate, it might not be recordable or acceptable to the document custodian. That can hold a loan up and get a Notary fired or even sued.

Not following directions
Not following directions can ruin a job and get you fired quickly. Signing companies, brokers, and lenders want you to follow directions, so take that seriously. It can cost them thousands if you screw up.

Not answering your phone.
After you are done with a job, you are still on the hook. If you are needed for after-service but just don’t answer, you can get in trouble. Answering email is important too. If you go on vacation or are hospitalized after a job and are not responsive, trouble will follow.

Arguing with Jeremy
If you argue with me about how you don’t need to take my dumb quiz, you get into trouble fast with me. Many people have lost their certifications with 123notary purely due to stubbornness. How unnecessary. But, then if you are impossible with me, you will be impossible with the title companies who use 123notary and who needs that?

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November 7, 2017

The grace period after your signing

Filed under: Best Practices,Popular on Linked In — admin @ 1:03 am

Most Notaries are only concerned with making a living. It makes sense. I was the same way. This is why Notaries should get paid more so that they can be more conscientious and less worried about making a living.

After you do a signing, you might be needed for what the Japanese call, “Afta-sahvice.” That is their way of saying After-Service. After you do a signing, you might get emails and phone calls if there is something wrong. The Lender might need a tracking number. They might want to know about the ID of the signer. What if your stamp didn’t come out clear enough or what if you botched a notarization or missed a signature. Maybe the recorder objected to your seal which was too light in the corner. Even the best of Notaries make mistakes from time to time. The point is not to be perfect, but to be available (kind of like being a foster parent.)

I asked many Notaries this question:

“If you do a signing and want to go camping after the signing, how many days (if any) after you drop the Fedex in the drop box should you wait before you go camping or out of town, etc?”

Here are the answers.

1. None
(My commentary) You are leaving the signing company high and dry, but they are probably only paying you $60, so they deserve it.

2. Until they get the package.
(My commentary) The Title company might not realize there is a problem until a day or two after they get the package. Additionally, Title companies are notorious for unstapling notarized documents and losing acknowledgment forms stapled on. So, after they get the package isn’t long enough if you want to be considerate.

3. A day
(My commentary) The Title cmpany might not even get the package after a day. If you missed the Fedex cut off, and Fedex is slow, it might be two or three days before Title gets your package.

4. Two days
(My commentary) The Title company might just have gotten your package after two days. They won’t know there’s a problem until they review your work and it might sit on the secretary’s desk for a while.

5. Seven days
(My commentary) Why seven days? If the Title company gets the package it will be processed and the loan will close and fund within three to six days. Seven makes no sense at all. The person who said seven days did poorly on other questions.

6. Three days or until the rescission period is over
(My commentary) This answer is much more intelligent and well reasoned. If there is a problem, the processor will probably find it before the end of the rescission period which might be three or four days depending on whether or not a Sunday or Federal holiday.

7. Indefinitely
(My commentary) What? You are the servant of a signing company forever for a dumb $60 signing. This is like self-induced slavery. You can’t possibly mean that. Illogical. That person who said indefiniately failed my test by getting other answers wrong.

The “Correct” Answer
It seems to me that if there is a problem that requires the Notary to go back to the signing, it would reveal itself within the period of day two to day five. If the package did not arrive, on day two someone might request a tracking number which you should text them upon completion in any case — but, they might lose the text or the text might not go to the recipient but to the signing company. If there is a problem with a notarization it might be discovered on day two, three, or four, but most likely on day three. If there is a problem with the county recorder, it might not be detected for five to ten business days. The best answer for time sensitivity would be three to five days. However, if you need to go camping, you cannot just not do any signings for three to five days because you have to make a living. So, just let everyone you work for know your schedule ahead of time and let them know that they are responsible for the risk they are taking in hiring you when you will not be around to clean up any messes.

Use at your own risk!

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November 6, 2017

10 rules for negotiating Notary fees

Many Notaries complain about how little they get paid. And then I complain about how little they know. The two tend to go together and the pay is not going to go up before the knowledge does. However, there are negotiating techniques that can help.

1. Let them name their price first
In a bargaining game, it is better to let the other person bid first. You can always raise your ask price if they don’t offer enough. But, if they offer far too much, you would never get it if you asked first and asked too low.

2. Start with a high ask price
If you ask for $125, you can always go down on your price, especially if the job is close or fast. You can ask how many pages, fax backs, and notarizations are in the package. If it is quick, then give them a quick price.

3. Never whine
If you whine about the condition of the industry or how low the fee was, people will think you are a low life. Professionals don’t whine. Professionals operate! So, if you are offered $60, ask for $85 and see what happens.

4. Decline the low-ball offers
If you spend all day working for peanuts, then when the good jobs come, you won’t have time. Decline bad offers so you are free for good offers.

5. Answer your phone
If you only offer when you are not in a signing and not driving or cooking or thinking, you will miss 80% of your calls. How can you negotiate a good fee if you don’t take the call in the first place?

6. Act professional
Try to impress them without trying to impress them. Most Notaries try to do a snow job and brag about how great they are. Seasoned operators don’t do this. Smart professionals will engage you in an intelligent conversation about the job, the industry and the state of the union. Ask them questions about the job, where it is, who it is for, what type of loan it is, and about their career and industry working in title or escrow. But, whatever you do, don’t talk about your zero percent error rate and how reliable and experienced you are — nobody can verify your claims and nobody wants to hear it.

7. Never say hello
Unless you work for an aloe vera companies, don’t answer the phone saying “aloe?” Answer stating your company name and personal name. It sounds professional. If you have screaming kids in the background that sounds horribly unprofessional. Have a quiet place to answer the phone and if you are in a noisy place, try to go to a quieter place and apologize about the noise. Just because you don’t mind noise doesn’t mean the title company enjoys barking dog and screaming three year old.

8. Talk about real life
Sometimes I talk to Notaries who tell the Title company that you can call me to clean up the mess after you hire one of those $50 signers. Over half my work is clean up work. That sounds real to title companies unlike all the nonsense about how experienced and knowledgeable you are which just sounds like fluff. Tell real stories about how you handled complicated situations that others might have goofed. Mention that split signing where you did some complicated manouver on the Acknowledgment certificate and how you went out to sign the wife at 3am because she could only see you at that time due to her busy schedule as a nurse. This is impressive and much better than fluff.

9. Negotiate timing
You can offer a better rate if they get you late after rush hour. They might prefer to just offer you more and get the job booked.

10. Double book and get a bad review
Yes, you’ll get bad reviews from this, but double booking makes sense. People cancel jobs all the time when they hire you, so why can’t you cancel a few jobs. If you book jobs tightly, the other person will cancel 20% of the time — at least. So, if you book a job for $60 and someone else offers you $150, you can ditch the first job and take the other. You will probably get a bad review that will last for three years, but you will have $90 extra in your pocket. It’s a dirty technique. Not recommended, but food for thought and great blog material.

11. Never let them see you sweat.
Appearing calm and collected are the way to go. If you seem flustered, that is bad. Oops, that was eleven rules and I promised ten. Okay, disregard point eleven and just use antiperspirant.

You might also like:

How to negotiate fees like a pro
http://blog.123notary.com/?p=19198

Can you negotiate prices with SnapDocs?
http://blog.123notary.com/?p=16236

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November 3, 2017

Notary Sexual Harassment Issues

Many lady Notaries are afraid to go to a single man’s house for obvious reasons. But, the type of harrassment in this blog article will surprise even you guys who read my blogs regularly. Here are some bizarre situations that would happen.

The client wanted to get it on with the Notary. The Notary was offended, but NOT because the client wanted to get it on with him, but because the client wanted to do it do it with him and his stamp. The Notary said, “I’m not into that!”

The next situation involves the Notary chasing a woman around a desk (sounds like a Hindi movie) to get her signature. The woman resists because she claims she doesn’t know the Notary well enough to sign his journal. Sounds like a Beetles song, “Baby let me sign your journal.”

The last situation happened with Will from Will and Grace. Will had a male Notary who was straight who was offended because of how Will kept talking about how he wanted to be Notarized. Will: “Oh, NOTARIZE me, STAMP me, STAMP me all night long. Oh, whip out that embosser. Oh, you… Do you want me to SIGN something? I want to SIGN your BOOK. Oh please let me sign your book! Are you going to hold my thumb when we do journal thumbprints?” Then the Notary said, “Oh, my state doesn’t require thumbprints.” Then Will said, “in that case, you’re fired, but before I fire you, are you going to stamp me for approval?”

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You might also like:

Compilation of posts about Notary dating & romance
http://blog.123notary.com/?p=17451

The Sexting Notary
http://blog.123notary.com/?p=19727

Don’t have unprotected Notarizations
http://blog.123notary.com/?p=19467

The sexist Notary Dentist
http://blog.123notary.com/?p=16513

You will be all alone with me
http://blog.123notary.com/?p=3430

The Mannequin Signer
http://blog.123notary.com/?p=3178

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November 2, 2017

Some of you people have a few screws loose.

When I ask people questions to test their competency, it is remarkable how many people have screws loose.

Repeating
When I talk to my psychic, I talk to him for an hour every week or two. I do not ask him to repeat anything in an hour. When I talk to Carmen or Adine on the phone, I never have to have them repeat anything. It is remarkable how many of my clients have me repeat myself multiple times in a very short conversation. Do they not understand the confusing technical language I am using with terms like, “Venue, Notarial Act, Acknowledgment, Journal or Affiant?” If you don’t know Notary language, time to look up some terms in our glossary. That is your jour to know!

Scrambling
Normally when I ask people, “If you have TWO people each of whom is signing THREE notarized documents, how many journal entries should you fill out.” The Notary repeats back to me, “Okay, so you have THREE people each signing how many documents?” First of all, it is two people, how can you scramble that? Additionally, they are not signing three documents, they are signing three NOTARIZED documents. If the documents are not notarized documents, you don’t need to fill out any journal entries.

That would lead me to a great trick question — if you have two signers signing three documents, how many journal entries would you need to create? None! Because the documents were not designated to be notarized!

Changing the Scenario
When I ask, “If the ID says John Smith, but the name on the signature of the documetn says, John W Smith, without changing the scenario, can you notarize the signature?” Most people immediately say they would ask for another ID. But, asking for another ID is what I told you specifically not to do, namely, changing the scenario. I am trying to test your skills on saying yes or no to questions with limited parameters, not your skill at changing the question to a completely different quesiton that you prefer to answer. Answer questions as asked or you lose points. It is not rocket science — and the answer is NO. You are a Notary, yet the word you have the most trouble saying is, “NO.”

Talking endlessly
When I ask quick questions I have thousands of people to ask. If you talk endlessly and I have to ask you to stop talking, that is a huge headache for me. Just answer questions quickly without rambling and we can finish our quiz quickly.

Sluggish
Some people take forever to think of answer to questions. The most relentless question is when I ask people which Notary Acts are legal in their state. Most people have to think for a long time. You do Acknowledgements, Jurats and Oaths daily, why is it like rocket science for you to open your mouth and spit it out? Do you not know that those are considered official notarial acts in your state or in most states? A few states don’t have an official Jurat, but they have other acts similar to it such as Verification under Oath or Affidavits or Sworn Statements.

In short, the behavior of Notaries always seems somewhat mentally impaired. Less than 10% of Notaries on 123notary can just answer simple questions without asking me to repeat, scrambling information, changing the scenario, giving round about answers, rambling endlessly or taking a lot of my time. I just want to test your competency. I don’t have all day for nonsense. Try to discipline yourself to answer questions the way they were asked because the business world doesn’t have the patience for this type of nonsense. It is purely unprofessional.

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November 1, 2017

Notary Public 101 — Real Life Notary Scenarios

Filed under: Loan Signing 101,Popular on Linked In,Popular Overall — admin @ 4:37 am

Return to the table of contents of Notary Public 101

Knowing how to be a good notary is all fine and good. But, if you don’t know how to handle scenarios, you might get into some sticky situations.

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1. The name on the ID says John Smith
Q. The name on the ID is shorter or not matching the name on the document? What do you do?
A. Ask for other ID. If they don’t have it, if your state allows credible witnesses, use them to identify the signer. You can always… read more

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2. What is the cleanest way to rectify an error on a Notary certificate?
Most Notaries like to cross out and initial changes in certificates. Keep in mind that these are legal documents affecting million dollar properties. Cross outs look like tampering. It is CLEANER to to take a fresh acknowledgment form from your Notary bag Read more…

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3. The Lender wants you to use the original certificate form.
If there is a cross out for the name that is quite seriously legally. It could lead to complications should you ever go to court. It is your right to decide to use a fresh acknowledgment form and staple it on the document even if the Lender doesn’t want it that way. Lenders Read more…

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4. You have a wrong state in an acknowledgment.
Assuming the form is acceptable in all other ways other than the state, just cross out the state, write in the new state, initial, and you are done. Do NOT let the borrower initial Notary certificate forms — that is exclusively the jurisdiction of the Notary.

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5. The signer would not sign the flood disclosure.
If you go to a signing at 11am and the signer signs everything except the flood disclosure, what do you do? You call the contact person or people in title or lending. If they do not call you back, you cannot stay at the borrower’s house all day long. Let’s say you leave Read more…

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6. The green pen scenario
You go to a signing, open the package and the instructions read:
Sign in GREEN, don’t call unless it is an emergency, get it to Fedex on time or you are fired.
It is 5:30, last pick up is at 6:00pm. Nobody has a green pen. There is a stationary store in the same complex read more…

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7. Confirming the signing
When you call the borrowers, go over the:
Date, Time, People Signing, Location, if there is a check or wired funds, if they have 90 minutes to complete a signing, and any fees that seem critical in the CD or HUD. Additionally, you should have them read the names in their ID to make sure they match, Read more…

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8. Ten grant deeds.
If you have one signer signing ten grant deeds, you need to do the following:
Create ten journal entries, one per person per document. Put thorough information about who the grantor and grantee is, a thumbprint, and read more…

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9. The FBI is at your door.
What piece of information will they want from you if someone gave you a fake ID?
A journal thumbprint. If you don’t keep one, start now. Read more…

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10. What types of pads of forms should a Notary keep in his/her bag?
Acknowledgments, Jurats, Copy Certifications. Skip the POA forms. Have them consult an Attorney. I carried permission for minors to travel. I created my own very thorough form with room for thumbprints. The Mexican authorities loved my form! Read more…

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11. Chad assigns a job to you. He says if there is a problem, call him and only him. If you can’t reach him, then email him. You get to the signing, the signer signs half the documents and then has a question. What do you do? Call Chad and if he doesn’t answer then email him. Many Notaries just don’t follow directions. Read more…

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12. Frank does a loan signing on Monday and drops the package in the drop box at 3pm, calls in the tracking number and then wants to go camping. How many days should Frank wait before embarking on his camping trip and why? I think that Frank should wait until he confirms with the Lender that the package has been looked over in its entirety or… Read more…

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13. Sixteen year old Samantha calls a Notary to notarize an Affidavit for her mom who does not speak English. The Notary arrives only to find out that he/she cannot communicate directly with the signing who is the mother. Samantha offers to translate as she does that on a daily basis for her mom. What do you tell Samantha? In 49 states, direct ORAL communication with the client is required REGARDLESS of whether the document is in English, has been translated, or whether the Notary understands the document. You cannot use an oral translator except perhaps in Arizona (check AZ handbook for an accurate answer. Refer Samantha to find a Notary who speaks their language.

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14. John appears before you to sign a loan as an Attorney in Fact. He knows two verbiage variations for signing as an Attorney in Fact and wants to know which one to use. There are no written instructions. What do you do next? In this situation you have to call for instructions because POA verbiage is a matter of preference as there are eight legal verbiage variations for signing as an AIF. So, call the Lender or Title company in this case as the loan will not close if you did not use the verbiage of their choice!

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15. Credible Witnesses.
Jim appears before you to sign an Affidavit. But, he has no ID. What do you do? Many states allow for credible witnesses. Some states require two CW’s who must both know the signer while others allow for one that must know the notary and the signer. You can read up on your state specific rule on this convoluted subject of credible witnesses.

Also read – http://blog.123notary.com/?s=credible+witness

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16. Name two situations where you might need subscribing witnesses. Subscribing witnesses are witnesses that watch someone sign their name on a document. They are used for Proofs of Execution (look this one up in our Notary Acts section) and for Signatures by Mark or Signatures by X which is allowed in certain states (look up in our glossary.)

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17. The document is written in a language that the Notary does not understand. All states except for AZ require direct oral communication with the signer. However, written comprehension is a different ball game and is very state specific. California only cares that the Notary notarizes the signature and doesn’t care if the Notary understands the document although the signer must understand what they are signing. However, other states can vary. Does your state require you to be able to read the language the document was written in? Look this one up in your handbook as we cannot help you in this matter because we don’t know!

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One of our Notaries help put three dangerous felons away!

Filed under: General Stories,Popular on Linked In — admin @ 1:05 am

Most Notaries aspire to the most minimal standards and will not take an action unless required by law. Some Notaries don’t even do the legal minimum while a few will go slightly above the legal minimum when there is much more that they can do. As far as journal entries go, most states do not require a journal. However, the journal is your only evidence in court of what happened at your transaction. Additionally, the journal thumbprint which most of you refuse to ask for is your only ammunition to catch identity thieves. If someone uses a false ID, you will not have a paper trail leading to them. However, with a thumbprint, the authorities can catch the bad guys in many cases. Most of our Notaries say, “I’m not legally required to keep a journal, so since I keep one, that is good enough for me.” But, without a thumbprint or proper journal keeping, the Notary can be named as a suspect in an investigation which would be a huge nightmare.

One of our Notaries in Northern California helped the FBI catch three dangerous frauds! She did not catch them by doing the minimum like most of you out-of-state Notaries do. She kept journal thumbprints of almost all of her transactions. California requires a journal thumbprint for Deeds affecting real property and Power of Attorney documents. However, this Notary went above and beyond the law and kept thumbprints for most of her other acts as well.

The worst criminal caught by the FBI was involved in a Ponzi scheme who got 15 years. The FBI came to the Notary’s house, borrowed her journal with a warrant for seach and seizure, and gave the journal back after it went to forensics for a few days. It was the thumbprint that was the piece of evidence that nailed the bad guy.

The next criminal was an identity thief who got two years of hard time. Once again, this guy was caught based solely on a thumbprint.

There was a third fraud caught who I do not have information about. But, the cases I am writing about were documented in newspapers and were famous. I feel proud that one of our Notaries helped catch bad guys. But, what about the rest of you who negligently shrug their shoulders when ask to take journal thumbprints.

The common excuse is that the companies they work for or sometimes their states object to Notaries asking for thumbprints as it is invasive or upsetting to the signers. But, without a thumbprint, someone could drain the equity out of your home and not even get caught so easily. So, do you want identity thieves to rob you blind or would you prefer to have better record keeping practices? Without those thumbprints, those frauds would still be wandering around victimizing hundreds of other unsuspecting victims. The next victim might be you. So, start taking thumbprints even if your law doesn’t require it.

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You might also like:

Notice to Title Companies from 123notary about Thumbprinting
http://blog.123notary.com/?p=19453

10 risks to being a notary public
http://blog.123notary.com/?p=19459

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