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September 19, 2018

123notary’s quiz questions routinely accused of being state specific

Filed under: Technical & Legal — Tags: — admin @ 11:03 am

The people who accuse us of having state specific questions are never specific about which questions are state specific. Such ambiguity over specifics. We change our questions over time and questions are now based on Notary Public 101, and not a particular state. We don’t even cater to California rules when we are in California. We test on good practicies, NOT state specific practices. It is up to you to know your state rules and I’m sure you do … (or not).

Here are some questions that might seem state specifics.

1. Proof of Execution — state specific
This act is done in about 45 states which is almost all. However, Notaries never do this act in real life. I don’t even know which states don’t have it. Some call it a verification upon proof or some other similar name. I ask this question not because of its practicality but to see if you even read my materials before the quiz. I think it is a waste of everyone’s time to quiz when you didn’t study.

2. John Smith — NOT state specific
We ask this question about good old John as a prudency question and not a legal question. Is it prudent under the circumstances to notarize the signature John W Smith on a document when the ID says John Smith.Most Notaries cannot give a straight answer — they change the circumstances to asking the signer for another ID. That makes it a completely different question. Whether your state requires an exact name match or not, it is still NOT PRUDENT if you can’t a prove a person’s identity. That is the whole reason for having notaries in the first place.

3. Fixing Notary Certificates — state specific
This one is very important and definitely state specific. We ask a question that California Notaries are not allowed to do simply because the folks in the other states still need to be tested on this. How do you fix a wrong county on a certificate? In California you have to use a clean new form or redo the notarization. In other states you can cross out and initial, but don’t have the borrower initial a notary form. This is critical information here. Maryland does not allow the use of loose certificates, and Oregon does not allow the Notary to make any changes to certificates or even add new ones as that might be considered UPL the way they see it in the drizzly state. Food for thought.

4. FBI Thumbprint Question — NOT state specific
If the FBI shows up on your doorstep investigating a notarization you did involving a fake ID, your fake info in your journal won’t cut it even if your state doesn’t require or permit thumbprints. The FBI is federal and has some bad guys to catch. They want a thumbprint whether your state allows you to have it or not. This is a Federal specific question as the FBI is federal and doesn’t care about your petty state rules. This question is NOT state specific because it does not ask what your state wants or allows or permits.

5. Journals – sounds state specific, but not the way we ask it.
Many states don’t require a journal, so my journal questions are not based on state rules, but on the rules of prudency which are universal. Your journal is your only evidence in court of what happened at a notarization. Not keeping one is like not wearing a seatbelt on the freeway. Eventually something will happen and there will be injuries. This is a good practices question and once again NOT state specific.

6. Oaths & Affirmations – not state specific, but…
Oaths & Affirmations Universal — like God himself. But, the 2018 California Notary manual no longer has a set fee if you do these as separate acts not connected to a deposition or jurat. Hmm. So, you can do these acts in California, but what would you charge?

If you have been asked any other annoying questions by us which you feel are state specific, please mention them in the comments section clearly and please be to the point without any tangents so that the readers can get to the point. And once again, none of our questions are based on California practices, but are based on best practices (which often overlap with what California practices are — but not always.)

Thanks

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September 11, 2018

Logic errors can cost you as a Notary

Many of the mistakes that Notaries make are logic errors. Not being a logical person, or having a low IQ are dangerous in the Notary profession. I believe that state Notary divisions should require an IQ of 95 minimum simply because the misapplication of rules often happens because of incompetent or sloppy thinking. Additionally, not being meticulous can really cost you and your clients as a Notary. Missing items on forms, or missing items when you check forms can lead to court cases. One wrong number or one missing initial can ruin a loan. It is not safe being a Notary unless you are a very cautious and logical person. Let me elaborate how an illogical Notary can get in trouble.

1. Additional Information Sections in Loose Acknowledgements.
The illogical notary says, “This is not legally required, therefore I will not fill it out.” Unfortunately, a fraud can switch the acknowledgment from the document it was supposed to be on to another document signed by the same person which was not “notarized” and get away with it. The reason being that the Loose Acknowledgment was not labeled as to which document it belonged to.

The optional additional information section goes over the document name, document date, number of pages, other signers, capacities, and perhaps more. With all of that specific information, it would make it difficult but not impossible to find another similar document to swap the certificate to. If you want to be even more cautious like me, get a secondary embosser seal that leaves a raised impression and emboss all of the pages in everything you notarize. Then, if someone swaps pages or an Acknowledgment, it would be easy to catch the fraudulent act.

2. Not stapling forms together
If you do not affix, attach, or staple an Acknowledgment form to a document, or if you do not staple the document together, it is easy to swap pages after the notarization is complete. Swapping pages is illegal and unethical and dangerous, so you want to prevent this from happening. In California, not stapling Acknowledgments to documents is also illegal. An illogical person would not see the necessity of stapling forms as they do not bother to think of the reason why they should be doing it and what can go wrong if they don’t. Yet another reason why illogical people should not be Notaries.

3. The John Smith Dilemma
When I ask dumb Notaries this question, they normally get it wrong which is dangerous as you can end up in court for screwing this up regularly.

If the ID says John Smith, but the signature on the document says John W Smith, would it be prudent to notarize the signature under the circumstances.

The most common answers include:
You can always over sign — this is a title rule and not a legal rule. The legal rule is that you must prove a signer’s name/identity in order to notarize them. The meaning of “you can always over sign” means that if the name inscribed in the signature section of a document says John Smith, but the signer wants to sign John W Smith, that Title will not mind. Although in real life that is a matter of preference and Title might mind.
Just ask for another ID — once again, another illogical answer. Of course you can always ask for another ID, but in this circumstance there is no other ID. Having a second ID would be a different circumstance, and not the one mentioned. Additionally, in a yes/no question, you need to give a yes/no answer otherwise you are not being logical and also not proving you know the answer to the question which is NO.
The longer not shorter rule — this is not a rule and can easily be reversed. Never memorize a rule that can be reversed. The ID can be matching but longer than the name notarized. But, the ID cannot just be longer. The signature notarized can never be longer than the ID if you follow prudent procedure although some states have wishy-washy identification rules and might allow this.

My logical answer is that the ID must prove the name you are going to notarize the signer under. The ID can be matching but longer than the signature on the document, but not unmatching or shorter.

4. Understanding basic notary acts
You could get in trouble for not understanding basic notary acts. If a client asks if you can notarize an Acknowledgment when they ALREADY signed the document, most Notaries would say no. However, almost all states do not require the signer to sign in the presence of the Notary, but only to Acknowledge in the presence of the Notary — a distinction an illogical person often cannot make. So, by not understanding the rules, you will deny a valid request for notarization which is by definition — illegal. Many Notaries deny legal requests all day long and then accept illegal requests because they are completely ignorant of Notary law and procedure which describes most of the Notaries on our site which is appalling.

5. Omitting or scrambling required Oaths & Affirmations
The illogical Notary doesn’t realize that Oaths are administered in all states by Notaries and that they are required for Jurats. The illogical Notary makes the following mistakes.

Omitting the Oath / Affirmation — It can be considered a felony of perjury to omit an Oath when you filled out a paper stating that an Oath was taken. Yet many Notaries are completely unaware that they need to administer Oaths and don’t even care until they get busted and have their commission revoked which doesn’t happen very often.
Giving an Affirmation instead of an Oath — Many Notaries who were asked to give an Oath used the word affirm because they don’t like the idea of swearing. That constitutes choosing the Notary act for the signer which is not allowed. The signer decides if they want an Oath or Affirmation, so you should probably ask if the law allows for either or.
Giving an Oath as to the identity of the signer — if you are giving an Oath about a document, having the signer swear their name is John Smith does not constitute an Oath about the document unless the document says, “My name is John Smith.” An Oath is incomplete or not administered unless it is topical to the subject matter. An Oath for a document should be regarding the truthfulness of the document.
Giving an Oath regarding that the signer signed the document — once again, by law a Jurat signature must be signed in the presence of the Notary, and the Oath should be about the truthfulness of the document and not whether they signed it.
Unique state laws — if your state requires more than just swearing that the document is correct, then by all means, fulfill your state requirements which we know nothing about here at 123notary. However, if you fulfill the other state requirements, but don’t administer an Oath regarding the truthfulness of the document and I caught you as a judge or notary division worker — your commission would be revoked on the first offense as that is perjury and undermines the integrity of the Notary profession and society.

In short, being illogical as a Notary can not only cost Title companies thousands and get you fired, or sued. Being illogical as a Notary can even get you jail sentence of up to five years for perjury which is a federal law which has no regard to the particular laws of your particular state. So, learn to be a correct Notary and keep in touch with your Notary division so you don’t goof on anything.

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You might also like:

5 books every notary should own and read
http://blog.123notary.com/?p=3668

Oaths — how Notaries completely screw them up!
http://blog.123notary.com/?p=19369

The grace period after your signing
http://blog.123notary.com/?p=19465

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

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September 1, 2018

UPL — Unauthorized Practice of Law in the Notary Profession

Unauthorized practice of law… what does this phrase really mean? The sad truth is that this concept is widely misunderstood, and differs from state to state. The definition of UPL (not UPS) is generally arbitrary and is often set by bar associations set on protecting the financial interests of their Attorneys who don’t want any unnecessary competition in the legal services field. So, one could say that Attorneys as a group are engaged in a form of corruption and using the law to enforce standards that serve no purpose other than to eliminate competition (sounds like the mafia). Instead of burying you in cement, a bar association can investigate a person suspected of UPL, and sue them or perhaps fine them for huge mounts of money leaving the Notary essentially financially broken.

Case Study
One of the Notaries listed on our site lost or almost lost (forgot the story as it was from a decade or more ago) $40,000 for doing a loan signing in a state where Notaries are not allowed to do such things.

Attorney States
In certain states that we refer to as Attorney States, only Attorneys are allowed to do loan signings. The premise is that by engaging in the facilitation of a loan signing, that you are making an unstated assertion that you have the same knowledge as a Mortgage Broker, Lender or Attorney and that you can explain the documents. This is simply not true. When a Notary goes to a loan signing, some Notaries do not explain any terms or documents while some do. In my opinion you should catch a Notary in the act explaining a legal term and then bust them. But, merely by facilitating the signing a loan in an Attorney state, a Notary can get busted.

States where Notaries are not supposed to facilitate the signing of loans include Georgia, South Carolina, Massachusetts and perhaps others. This information could be outdated and the interpretation of the rules is far beyond my capacity. However, many Notaries in all of these states advertise on 123notary claiming that they do signings. However, I have heard that they typically don’t do signings for properties that are in their state, but only for out of state properties. I have heard that this is still illegal, but I guess people are not getting caught. My word of advice is to consult an Attorney before doing something that could get you in trouble.

Notary unauthorized practice of law
As a general rule, drafting a legal document, giving legal advice, giving advice about a court case, giving advice about how to draft a legal document, or helping to interpret a legal document might be construed as unauthorized practice of law. However, I am not an Attorney and cannot say with any certainty or authority what constitutes UPL in any state. I am just relaying to you what I have read over the years. Additionally, explaining the terms of a loan or what certain mortgage terms mean might be considered UPL as well – once again, I am not sure, but you can ask an Attorney if you really want a definitive answer.

Choosing the Notary Act
As a Notary Public, it is the choice of the client or signer which type of Notary act they want. The Notary has the right to explain the various Notary acts to them and the rules that apply, but the Notary cannot choose for them. Under many circumstances there might only be one particular Notary act that the Notary would legally be able to perform. In such a case, the Notary should explain the circumstances, how to change the circumstances and ask if the signer wants to proceed as is.

It is common for Notaries while administering Jurats to automatically perform an Affirmation because they are afraid to offend people by administering an Oath. First of all the Notary is required to give the signer a choice as to which Notary act they want to have performed. Second, many people might be offended by Affirmations more than by Oaths. However, I can state with definitiveness that dogs prefer Affirmations.

Drawing in a Signature Line
It used to be common in loan signings for a document to have no signature line, yet have an instruction that it must be notarized. You cannot notarize a document without a signature, and how can you sign without a signature line? If the borrower draws in the line, that is their business, but if the Notary does it, are they practicing law?

Oregon Standards
I have heard that in Oregon, a Notary may not cross anything out on a Notary certificate, nor may they attach a new Notary certificate. But actions would be considered practicing law there as far a I know in my layperson capacity.

Summary
Unauthorized Practice of Law is a crime and is a very wishy-washy state-specific convoluted subject. Please ask an Attorney for a professional opinion on this subject if you are at all concerned.

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You might also like:

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

Notary loses $4000 in legal fees because fraud adds name to notary certificate.
http://blog.123notary.com/?p=19477

5 books every notary should own and read
http://blog.123notary.com/?p=3668

.

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August 3, 2018

Notary Public 101 — Scenarios: Hospital signing issues

Filed under: Technical & Legal — Tags: — admin @ 6:48 am

Have you ever done a signing in a hospital? You should be prepared, because one day you might do it. There are many issues that come up in hospital signings. First of all, it is common to have to decline service because the signer has been medicated, or has lost their mind. As a Notary, you should be aware that you can easily be subpoenaed for hospital signings as it is common for people to not remember what they signed and for people to try to take advantage, so be cautious.

As a Notary you need to be able to gauge the situation over the phone before you commit to coming, and once again gauge the situation once you are in front of the signers. The person who calls you to come to the hospital is almost never the signer, but usually a family member, Attorney, or scam artist.

Confirming the appointment.
Have your contact person read the name as it appears on the ID, and the expiration date (the expiration date of the card, or the patient, whichever comes first). Then, have the contact person read how the name appears on the document. Not only are you checking if names match, but if they even have an ID, know where it is, and have their document all ready. Confirm that they will not be medicated before you come and make sure the nurses know that the notary job is off if they medicate at all.

Once at the appointment.
Get travel fees at the door. Otherwise you will have a beneficial interest (in my opinion) in having the document signed. When you meet the signer, you can ask them questions about the document being signed. Don’t ask yes/no questions. Ask questions that make them explain the document to you. You can also make small talk about how you love what President Clinton did yesterday. If they are on the ball, they will know that President Clinton is no longer in office. You need effective ways to screen out people on morphine and those who have lost their mind. You should also ask if they have been medicated in the last twelve hours.

Comments
It is not your job to decide who gets morphine and when. However, if a signer does get medicated, let the contact person know that you will walk off with their travel fee as you do not dare notarize a medicated person who is not fully conscious, especially on a Power of Attorney.

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A tale of four notaries in hospitals
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Power of Attorney in a nursing home
http://blog.123notary.com/?p=2305

Do you like your job? A story of being kept waiting forever at a hospital.
http://blog.123notary.com/?p=617

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Notary Public 101 — Scenarios: How do you notarize a document with no signature line?

If you have been instructed to notarize a document that doesn’t have a signature line, that is a cross between a quandary and a conundrum.

You cannot notarize a document without a signature. Notaries notarize signatures on documents, not documents, and especially not documents without signatures. And you cannot have a signature without a signature line. But, it could be construed as UPL for a Notary to add a signature line to a document. So, now your ability to get the job done is really on the line — which unfortunately doesn’t exist in this case, until someone writes one in.

So, what do you do to get the document notarized? If the signer draws a signature line, then they are the one engaging in UPL, not you, especially if you do not advise them to do so. The bottom line (no pun intended), which is the signature line, is that without a signature, there can be no Acknowledgment or Jurat on a particular document. An Oath or Affirmation are the only Notary Acts you can do without a signature.

So, once a signature line has been added, the affiant can sign, and then you can notarize the signature on the document.

But, what if you have a signature without a document — that is an entirely different question.

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May 29, 2018

Notary Felons — whose dilemma is it?

Filed under: Technical & Legal — admin @ 11:01 am

It has come to my attention that when I quiz Notaries, only 30% give Oaths regularly, and the other 70% do not. Of the 30% who claim they administer Oaths, the Oaths are normally irrelevant and incorrect. It is really only about 10% of Notaries who sign up on our site who give correct and relevant Oaths with a degree of proficiency. So, why is this a problem? Nobody is checking up on us, right? Generally right.

When a loan is called into court (which doesn’t happen that often) the Judge might ask the Notary if he/she indeed administered an Oath to the borrower. If the Notary says no, or has no proficiency at giving Oaths in front of the Judge, the Notary could be accused of Perjury.

Lying under Oath can be considered perjury. However, filling out a Jurat that says “sworn to me” when in fact nobody swore to anything at the Notarial transaction — can be considered perjury on the part of the Notary Public. This is a federal crime with a possible jail sentence of up to five years per incident. Yet, Notaries throughout the nation are going about committing perjury almost every time they do a signing without a care in the world. This is a serious legal matter that you should be concerned with.

Why am I concerned with this? Because I am advertising people who might be felons. I cannot prove who the felons are or when they committed a felony, but it seems that many of our notaries based on my quiz are committing perjury on Jurats on an almost daily basis. If they were audited, they might go to jail.

I did not realize I was doing business with a criminal class of people, but that is the case. Please be an expert at Oaths, because I am not confident about listing Notaries who are engaged in serious crimes such as perjury which is what you are committing when you sign a statement saying you administered an Oath when you did not.

If I find out that you do not give Oaths, I might have to remove your listing temporarily or permanently.

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April 25, 2018

Preparing to Sign a Last Will and Testament

Filed under: Technical & Legal — admin @ 11:11 am

Preparing to Sign a Last Will and Testament

One of the most important documents that a person signs during the course of a lifetime is his or her last will and testament. Of course, ensuring that a last will and testament is drafted properly is crucial. However, ensuring that a last will and testament is valid does not end when the instrument has been written. The manner in which the document is signed is vital to its ultimate validity.

State Laws Govern Drafting and Signing a Last Will and Testament

Each individual state has its own laws as they pertain to the drafting and signing of a last will and testament. With that said, many states utilize a derivation of what is known as the Uniform Probate Code. In other words, although there are some minor differences from one state to another when it comes to a will, there is a great deal of commonality in the laws about wills across the United States.

In order to make certain that a last will and testament is appropriately drafted and properly executed, a person does need to check the specific laws of the state in which the will is signed. This is the only way in which compliance with the law can be confirmed.

The Role of a Notary Public at a Will Signing

A notary public plays a pivotal role in the execution or signing of a last will and testament. One of the power bestowed upon a notary public is the ability to administer oaths and confirm information in certain situations. For example, at the time of the signing of a last will and testament, a notary public is charged with confirming a number of factors before a person signs the instrument.

First, a notary public is required to confirm that the person about to sign his or her last will and testament understands what is contained in the instrument. A notary public doesn’t quiz the signer on the contents of the instrument. Rather, a notary public requires the signer to affirm that he or she has read the instrument and understands its contents.

Second, a notary public must concern that based on his or her reading of a last will and testament that the instrument does what the signer intends. In other words, the signer must affirm that the last will and testament deals with matters associated with his or her estate in the manner in which he or she intents and desires.

Third, a notary must ascertain that the signer of a last will and testament is of sound mind and body at the time of the execution of the instrument.

Finally, when the person signing a last will and testament executes the document, a notary public verifies the signature and affixes the seal of his or her office to the instrument.

Witnesses at a Will Signing

The laws of all states mandate that witnesses be present at the execution of a last will and testament. The laws do differ as to how many witnesses must be on hand at the signing of a last will and testament.

The witnesses are present to confirm that the person executing a last will and testament understands what he or she is doing, that he or she is signing the will as a free and voluntary act, and that the signer is of sound mind and body.

The witnesses can end up playing a pivotal role should the day ever come that a last will and testament is being challenged in some manner. For example, the witnesses might be called upon to testify in court if a challenge is made to the will after the signer of the instrument dies. The witnesses might be called upon to testify that the signer was of sound mind and body when the last will and testament was executed.

At the time of the execution of a last will and testament, a notary ensures that the witnesses understand their roles. The witnesses sign the instrument, after the signer of the will itself completes that task. A notary typically verifies the signatures of the witnesses to the last will and testament as well.

Generally speaking, a last will and testament usually is signed in the office of the attorney that drafted the instrument in the first instance. More often than not, the attorney will have a notary public available from his or her own staff. There are rare situations in which a notary public is called in from the outside to witness and notarize the signing of a last will and testament.

 
Jessica Kane is a professional blogger who focuses on personal finance and other money matters. She currently writes for Checkworks.com, where you can get personal checks and business checks.

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April 17, 2018

How often do Notaries end up in court?

Filed under: Technical & Legal — Tags: — admin @ 10:24 am

Notaries can end up in court for a variety of reasons. If the person you notarized used a fake ID and you did not thumbprint them, you are likely to end up in court. If a borrower is suing the Lender and wants to sue all involved, you could end up in trouble. If you explain something poorly and the signer feels you are denying a legitimate request for service and they miss a deadline and experience a loss — you can end up in court.

Here are some ways to increase your likelihood of ending up in court:

1. Not keeping a journal
2. Doing hospital or elder notarizations (even if you are cautious)
3. Not taking journal thumbprints
4. Not explaining notary requirements clearly to irate customers who will lose big bucks if you refuse them service.
5. Doing a notarization for someone who happens to be in a court building at the time of notarization (sorry, bad example.)

So, bad communication and record keeping skills are the prime reason people get in legal trouble as a Notary.

One in seven full-time Notaries who we have spoken to (rough estimate) have ended up in court at least once. Having good records makes it a lot easier for judges and investigators. So, when we ask you to keep a journal, we are not doing that just to put another burden on you. It is for safety reasons — your safety and the public’s safety.

If someone copies your seal and impersonates you the notary and notarizes something, if you don’t have a journal of what you actually did in real life every day — then you will not be able to prove to a judge that you did not notarize that phony notarization and you can get in trouble or even end up in jail. So, if you don’t like jail, keep a journal. That is a far fetched worst case scenario, but you could get in bad trouble. So, keep a journal even if your state says you don’t have to because the FBI doesn’t play games and neither should you. And FBI is FEDERAL and they work in all states regardless of whether your state requires a journal.

.

You might also like:

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

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http://blog.123notary.com/?p=19459

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

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April 14, 2018

Check to see if the signatures match

Filed under: Technical & Legal — admin @ 10:24 am

As a Notary, when you do an Acknowledgment, the signer does not need to sign in your presence (in most states). However, they need to appear before you and sign your journal. You must check to see if the signatures match the ID, journal and document. If they don’t, you have a big problem. Also, make sure the person looks like they do in their ID, and note down their ID information in your journal which of course you keep because you can get in trouble if you don’t keep one even in states that don’t require it.

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April 10, 2018

Document dates, signature dates, rescission dates and transaction dates

As a Notary, you will undoubtedly be confronted with a variety of dates that all need to be clearly defined in conversation so as not to confuse yourself or the other party. Let me sum these up.

Document Dates
The document date is NOT necessarily the date the document is notarized. It is merely an arbitrary date normally created by the document drafter that might reflect the date the document was drafted, supposed to be signed, supposed to be notarized, or some other arbitrary date. There is no rule for when a document date can be.

Signature Dates
The signature date of a document is the date it was signed. If you have two signers signing on different dates, you might have what 123notary calls “a double date.” There are multiple questions involved in a double date. One is how do you date the rescission document if the date you signed a document is more than one date. The other far more important question is — who pays?

Rescission Dates
The rescission date is based on a date that comes CALENDAR three days after the transaction (= signature date) not including Sundays or Federal holidays. If you have two signature dates, you might have two rescission dates, one per person. But, if there is only one rescission date, it probably is based on the last signature (complicated.)

Transaction Dates
This is more of a glossary type term or test term. The transaction date is the date when the transaction happened which is based on the date of the signature. I ask people what the synonym is for a signature date to see how much they read.

Medjool Dates
If you go to a signing for health conscious people or Saudi’s, after the signing, you might get yet another type of a date — a Medjool date. These dates are typically grown in the Middle East, but also in parts of Arizona near Yuma

Hot Dates Q&A
If you steal a document, would the date on the document be correctly defined as being a “hot date” since it was technically stolen?

Dates and Journal Entries
A good Notary does more than his/her state’s minimum requirements for journal entries. There is a field in your journal for the name and/or description of the document. A good journal also has an optional field for the document date. I suggest you pay attention and write in the document date as it helps to identify a particular document and distinguish it from a different document with the same name signed by the same person. Sometimes the document date is the only way to tell them apart.

Dates and Notary Appointments
I once went to a Notary appointment with a date. I left the date in the car and came out $30 richer. She complained that I left her in the car too long, which is good, because that date would expire at midnight.

Please also read our previous article on the same topic. Read more…

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10 tight points on loose certificates
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Backdating from A to Z
http://blog.123notary.com/?p=2424

5 books every notary should own and read
http://blog.123notary.com/?p=3668

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