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November 13, 2020

Penalties for Notary misconduct, fraud, and failure of duty

Filed under: Notary Mistakes — Tags: , , — admin @ 11:23 am

Originally posted in 2018

Notaries by and large do not willfully engage in any type of illegal activity or illegal notarizations. The normal types of crimes Notaries commit are due to complete ignorance of Notary procedure, Oaths, and certificates. The only serious and purposeful crime I have ever heard of a Notary associated with us committing was one that assisted someone in fraud concerning real property — and the Notary ended up in jail. Please keep in mind that Notary law is different in every state and changes all the time as well. Penalties and fines for Notary misconduct are different in each state, California being the most stringent.

Negligent vs. Willful Misconduct

In California, the penalties are much more severe for Notaries who have engaged in willful misconduct rather than just making a careless mistake or omission.

Failure to keep your seal & journal under lock and key.
In California this is very serious and is a crime. You can keep your Notary equipment in a bag with a small lock that locks the zippers together. If you are the only one with access to your car, then the trunk of your car could work as well.

Unauthorized Practice of Law
The definition of UPL differs from state to state. However, offering opinions on legal matters or offering to draft legal documents might constitute UPL. For a professional opinion — ask an Attorney!

Asking a notary to do an improper notarization.
This is a misdemeanor in California. If it involves real property, then it is much more serious. Clients might ask you to notarize their signature using a different name variation that is not documented on their identification, or put a false date. This is illegal. They would guilty for asking you to do this, and you would be guilty if you give in to their pressure. If you have driven forty minutes to a signing job, in a sense you have a beneficial interest in notarizing their document unless you have gotten your travel fee up front when you walk in the door. So, to be prudent and avoid this issue, you MUST get your travel fee BEFORE you see the document, or are informed who the signers are, or see their ID, because a conflict of interest can easily happen. If someone asks you to do something illegal, you can threaten to report them to the Secretary of State’s office. This is a serious crime and you should treat it as such.

Issuing a false certificate
A notary who signs and seals false certificates, and this could include backdated certificates would be guilty of a misdemeanor. A false Acknowledgment certificate constitutes FORGERY. Additionally, the notary public could have their commission revoked if found guilty of this crime, with an additional fine of $1500 per incident in California (fines change over time so look this up in the statues).

Failure to Identify a Credible Witness
A fine of $10,000 per incident could occur if a notary fails to check a credible witness’s identification documents and see that they have acceptable identification.

Failure to get a thumbprint!!!
This is my favorite. Thumbprints are critical for identifying a signer if fraud is suspected. Powers of Attorney and Deeds require a journal thumbprint in California. A fine of up to $2500 per incident would be the penalty. Most other states do not require thumbprints, and Texas and Florida actually recommend against thumbprinting as those states do not trust Notaries with biometric data which is the only foolproof way to identify a signer. How ironic!

Failure to administer an Oath
A fine of $750 per incident could be incurred, not to mention revocation, or suspension of a notary commission, or refusal to grant a commission. I heard that some Notaries in Oklahoma had to go to court for a loan document signing in question. The Judge found out that the Notaries had not administered Oaths on the Affidavits in the loan package. I heard that the Judge overturned the loan and had the Notaries commissions permanently revoked by their state.

Felony Convictions
If you have a felony conviction or have been convicted of a crime involving dishonesty or moral turpitude, you will most likely not be allowed to get a notary commission in the first place. If you already had a notary commission, it would be suspended or revoked the minute your state’s ntoary division finds out about it!

Professional Misconduct
This refers to dishonesty in your professional activities. The penalty would once again be suspension, revocation, or refusal to grant a notary commission.

Failure of Duty
This means that you refuse to serve a member of the public who has a legitimate request for a notarization. However, if the signer doesn’t have proper identification, or doesn’t have a properly filled out document, or seems very questionable, you have the right to refuse service to such a client. The penalty would be refusal to grant a notary commission, suspension, or revocation of a notary commission. Additionally a fine of $750 could be imposed on the California notary public.

Falsely Acting as a Notary
This is a misdemeanor. Borrowing someone’s Notary seal and doing Notary work is a serious crime. If you are a Notary, keep your seal and journal locked up.

Making false statements to a notary
Anyone who induces a notary to make an improper notarization with regards to real property can be found guilty of a FELONY. This is the most serious type of fraud possible in the notary profession.

False or misleading notary advertising
Making false statements in notary advertising is illegal, and the penalty for a California Notary is $1500 per incident. Additionally, such a notary’s commission could be suspended, revoked, terminated, or there could be a refusal to issue a commission. Claiming to be an immigration expert, or be able to give legal advice could be a serious example of false advertising and perhaps unauthorized practice of law.

Selling personal information
It is illegal for the notary sells or misuses personal information of those he/she has notarized. Remember to keep your journals locked up, so that nobody can have access to that information. When making copies of journal entries, make sure that the neighboring journal entries are covered, so that their information is not shared with the public. Once again, your application could be denied, or your commission could be revoked or suspended for this type of crime.

Misstatements on a notary application (Application misstatement)
Your notary commission could be suspended, revoked, or refused if you are guilty of this misconduct

Here are some other crimes… I will just list them here, but may or may not describe the penalties.

Failure to deliver a journal to the county clerk at the end of your commission. – misdemeanor
Failure to safeguard seal and journal – revoke/suspend/refuse
Failure to report a lost or damaged seal – $1500 fine
Nonpayment of judgement / Refusal to pay child support – refusal to issue a commission
Failure to keep a journal – such notaries will be prosecuted

There are a few others laws that I am not going to mention, but these were the interesting ones…

You might also like:

A Notary loses $4000 in legal fees because someone changed a name on a certificate

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

All you need to know about notary work

All you need to know about notary work

How to complain about a notary public

How to complain about a notary public

Notary Fines and Penalties

Notary Fines & Notary Penalties (gulp)

Fraud and Forgery in the Notary Profession

Fraud & Forgery related to the notary profession

Notary Public General Information

Notary Public Information

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November 7, 2020

A comprehensive guide to Notary organizations

Originally published in 2016

Are you a Notary? Do you want to join some Notary organizations? There are many of them out there. Some help educate Notaries while others have helplines or hotlines. Some sell Notary supplies while others help Notaries advertise their services.

123notary.com
http://www.123notary.com/
123notary.com has been around since 1999 and helps Notaries advertise their Mobile Notary services online. Title, Escrow, Signing Companies, Attorneys and individuals love using 123notary to find some of the best trained and most experienced Notaries anywhere. 123notary also sells loan signing courses and has a very entertaining and informative blog. Check out their list of signing companies with reviews to see who you should and shouldn’t be working for.

National Notary Association
https://www.nationalnotary.org/
The NNA has been around since 1957 as a California Notary Association to help Notaries with educational resources and tools. In 1964 it became a National Association. NNA sells Notary supplies, errors & omissions insurance, education to help pass the Notary exam and become a signing agent, andmore… Advertise your signing agent services on signingagent.com

Notary Rotary
http://www.notaryrotary.com
Notary Rotary has been around for decades and offers a very potent way for Notaries to advertise their services. They also sell seals, and E&O insurance. Signing Agents can place an add and get found based on how close they are to the zip code being searched for.

SnapDocs
http://www.snapdocs.com/
This organization makes it easy to find newer Notaries who work for cheap as well as providing a system for downloading documents. More seasoned Notaries are complaining that SnapDocs is contributing to the lowering of fees in the industry. We recommend this organization for newer Notaries who want to get their foot in the door.

American Society of Notaries
http://www.notaries.org/
ASN offers a phoneline for technical support just in case Notaries have a question while on the job. They also sell Notary supplies and more.

American Association of Notaries
http://www.notarypublicstamps.com
Buy your stamps from the AAN!

Notary Café
https://notarycafe.com/
Notary Cafe is a smaller directory of Notaries that seems to specialize in the more serious Notaries. We do not have records to show how popular their directory has been in the last few years, but they have been popular for a long time.

Pennsylvania Association of Notaries
https://www.notary.org/
Need help becoming a Notary in Pennsylvania? Try this organization.

California Association of Notaries
http://www.calnotaries.com/
This is yet another Notary directory.

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Snapdocs — see our feed for posts about this company
http://blog.123notary.com/?tag=snapdocs

The Towles Booth (pronounced Tolls)
http://blog.123notary.com/?p=9456

Why the Notary industry went South
http://blog.123notary.com/?p=16500

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November 4, 2020

10 risks to being a Mobile Notary Public.

Filed under: Notary Mistakes,Popular on Facebook (some) — admin @ 12:59 am

Originally posted Oct 19, 2017.

Notarize at your own risk. Being a Notary is NOT safe!

Many of you think that being a Notary is an easy way to make a few extra bucks. Stamp a piece of paper, get $10, easy, right? Then you deal with nitpicky signing companies who make you fax things back and you get mad, right? That is an annoyance, but not the bigger problem. Being a Notary is dangerous, particular when you don’t do your job correctly. Most Notaries feel that you look at an ID and if it is close enough and the photo looks like the guy, that you are doing your job, right? Sort of. Here are some itemized risks to being a Notary Public.

1. Hoarders
If you go to someone’s house and they have things stacked to the ceiling, you might be in danger in their house. The signer doesn’t want to hurt you. It is just that they cannot control their psychological disease that causes them to engage in hoarding. My housemate is like this and she has stuff stacked to the ceiling which is dangerous and a fire hazard. Something could fall on you or you could get trapped in a fire.

2. Bio-hazards
Some homes that are not cleaned properly are dangerous. One house Carmen almost went into had some bacterial infection that would have gone straight to her lungs and caused her to go to the hospital. If a house smells funny, maybe you are not safe in there. If it is not ventillated properly, perhaps you should stay away. Poor hygene can be deadly, so be advised.

3. Dogs
Some neighborhoods have unsafe dogs around. Notaries could be harrassed or bitten by dogs. Carrying pepper spray or mace is not a bad idea.

4. Slummy neighbors
You might go to a signing in a bad area and people nearby might be hanging out who look unsavory. I am not sure if this is dangerous, but some people get upset.

5. Angry borrowers.
One Notary got pushed off a flight of stairs and broke her wrist. The borrower didn’t like his APR and I guess the Notary didn’t educate themself on how to give a professional explanation of the APR either. The borrower ended up in jail very quickly and the Notary healed in two months.

6. FBI and lawsuits
Roughly 2% of full-time Notaries will end up in court or with an FBI investigation for being involved with identity theft. If you do not keep a thorough journal with thumbprints and the right amount of journal entries, you are much more likely to be held in court as a witness, suspect, or cause yourself extended grief. Without a thumbprint, the investigators are often helpless to catch really really bad people. So, help them out and keep thumbprints. Do your part to safeguard mankind.

7. Getting sued by a borrower
One borrower got mad and sued the Lender, Title company and the Notary when the Notary had done nothing wrong. The Notary tried to use their E&O insurance, but the company wouldn’t pay out because the Notary had not made any error or omission. Of all the bad luck. So, the Notary lost $30,000 in legal fees. Talk about bad karma.

8. Getting sued by the bar association
If you life in an Attorney state and do loan signings without a law license, the bar association might come after you. Good grief.

9. Jeremy might phone quiz you.
Many Notaries who thought they had it together got a phone call from the infamous Jeremy (that’s me) and failed an over the phone quiz. They rationalized, “I’ve been doing this 30 years and therefore I know what I’m doing.” My rationalization is, “Not if you got 18% on my quiz which consists of very easy and every day notary questions.” You might not lose any money, but you could lose your dignity if you score less than 70%. So, study up!

10. Your seal could be stolen
It happened to me. I had to write to the Secretary of State. My car was broken into and I lost my seal, embosser and journal. What a tragedy. It took me two and a half weeks to be back in business. Think of all the money I lost not to mention the trauma of being robbed of my most prized possession — my inkless embosser that I used as a secondary seal to deter fraud! Boo-hoo.

There is also the risk of traffic accidents and having one of those talking GPS systems that talks back to you when you get in the wrong lane, but I won’t include details of those problems as they are common to all humans who drive and not just to Notaries. The end!

.

You might also like:

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

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

Compilation of posts about Notary fraud
http://blog.123notary.com/?p=21527

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November 2, 2020

Notary Verbiage & Notary Wording

Originally published Nov 13, 2016.

Notary verbiage is a fancy way of saying Notary wording. Notary verbiage is legally required on all notarizations that are in writing. Oaths and Affirmations might not contain any written proof of the transaction other than in the Notary journal. The Notary form where the Notary wording is documented or written is called a Notary Certificate. A Notary Certificate would be a separate piece of paper where official state Notary wording is written or it could be the official notary wording embedded at the end of a legal document after the signature section.

Notary verbiage varies from state to state
You need to make sure that the Notary wording you are using is prescribed for your state. Each state has different wording, and you can look up that wording on Google by using terms such as, “New Jersey Acknowledgment Verbiage.” You need to specify which type of Notary act you want to know the wording for. Acknowledgments and Jurats are the two most common forms of Notary acts, although some states allow for certified copies of powers of attorney and other specialized notary acts.

Out of State Notary wording causes confusion
If you are a California Notary Public notarizing a deed with Florida Notary wording, you are allowed to Notarize the document. Notary wording on out of state documents might be a little different than what your state’s official Notary verbiage is. But, so long as it is not substantially different it is allowed. That means that so long as there are no differences in meaning behind the words in the Notary verbiage then it is okay. Most Acknowledgment sections claim that the signer appeared before the Notary on a particular date and acknowledged that they in fact signed the instrument (document).

International Wording
Out of state notary wording has never caused a problem in my personal Notary career of eight years. However, international requirements can cause a huge nightmare. It is common for overseas document custodians (the entity who will record or hold on to the document after it is notarized) to have requirements which are not only “not done” in the United States, but could be illegal. It is common for Chinese organizations to want an American Notary to put a stamp on a blank piece of paper with no Notarial wording which is completely illegal. In such a case, you have to explain to the signer that you are required by law to staple a notary certificate to the document being Notarized, fill it out completely, and then stamp it to complete the Notarization. Most states also require the signer to be identified and sign a journal.

ACKNOWLEDGMENT CERTIFICATE WORDING FROM TOP TO BOTTOM

(1) The Venue

Q. What is a Venue?
A. The venue comes at the top of a Notary certificate and documents the state and states the county.

State of California
County of Los Angeles

Certificate verbiage will contain a venue which is a section at the top of the notary certificate which includes the state and county where the notarization took place, and a signature section at the bottom which is where you put your signature and Notary seal impression. It is possible that a preprinted venue will have the wrong state which is a problem. If there is wrong information in the venue, you either have to do a cross out, or start with a brand new form. Most venues pre-print the state, but leave a blank where the county is to be inscribed. A prudent Notary will make sure all forms get filled out correctly with no cross outs as that is very unprofessional, especially on documents such as Deeds or Power of Attorney which are likely to be recorded by the county or some other organization.

(2) The body of an Acknowledgment.
Below the venue, the acknowledgment certificate will state that on such a date, a particular person or several named people personally appeared before a Notary Public and acknowledge that they signed the corresponding document. The wording will also include the fact that the signer was positively identified or perhaps known to the notary (some states allow for personal knowledge of a signer at a notarization.)

(3) The bottom of an Acknowledgment
Locus Sigilli is a lovely Latin term means the location of the stamp. At the bottom of the Notary certificate form is where the signature of the Notary goes and also where the stamp goes. Most Notaries use an inked Notary Seal while others use a non-inked Notary embosser in addition to prove authenticity of the notarization as it is possible to emboss all of the pages of the document to prove that pages were not swapped after the fact.

(4) Examples

Example of a Florida Acknowledgment Certificate

STATE OF FLORIDA

COUNTY OF BROWARD

The foregoing instrument was acknowledged before me this ___________ (date), by __________ (name), who is personally known to me or who has produced _____________ (type of identification) as identification.

______________________________

Notary Public

Printed Name:__________________

My Commission Expires:

____________________

Commission #_________

California Acknowledgment Wording

State of California
County of Los Angeles

On 7-21-2016 before me , Joe Smith Notary Public, personally appeared Sam Sarno
who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument
the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument.

I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct.

Witness my hand and official seal _______________
Description of Attached Document
Title or Type of Document: _______ Number of Pages: ________
Document Date: _____ Other: _____________

Crossing out verbiage is required
On an Acknowledgment form, the boiler plate wording in the middle of the form requires cross-outs. Normally on legal forms you don’t want to cross out anything, but these cross-outs establish whether you are dealing with an individual signer, a male, female, group, etc.
If you look at the California Acknowledgment wording above, you will notice the term “Person(s)”. If it is a single person, then cross out the (s). The term name(s) — if there is only one name then cross out the (s). If you are doing a name affidavit, you might have a single person and six or seven names in which case do not cross out the (s). Then there is the he/she/they wording which can be complicated if you are notarizing someone of ambiguous gender or for Siamese twins.

Jurat Wording
Jurat wording is substantially different from Acknowledgment wording in that the Jurat requires the signer to sign in the presence of a Notary and swear under Oath as to the truthfulness of the document. Many states have a simplistic wording that just says,

“Subscribed and sworn to before me this __________ date of ______, (enter year) _______. ”

Other states have more elaborate wording, but the basic facts documented are the same.

Certified Copy by Document Custodian
This is a type of Jurat that is used only from time to time. Many individuals want to make a copy of a document and then have a Notary “certify” that the copy is correct. Most states don’t allow a Notary to certify this information. However, a Notary could make the photocopy him/her-self and write a note claiming that they attest to the fact that the photocopy is a true and complete copy of the original. However, the offficial Notary act that takes place is a Jurat where the signer swears under Oath that the copy is genuine. I completed many such Notary acts for college transcripts especially for foreign clients.

Read More about Notary Wording

http://blog.123notary.com/?tag=notary-wording

Should you use book wording for Oaths or improvise?
http://blog.123notary.com/?p=19660

Notary Acknowledgment Wording
http://blog.123notary.com/?p=18858

Index of information about documents
http://blog.123notary.com/?p=20258

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November 1, 2020

Names for Notary businesses that can get you in trouble

Filed under: Advertising,Popular on Linked In,Popular Overall — admin @ 7:25 am

Origionally published March 29, 2017.

In general, we recommend certain types of names for Notary businesses.

Geo-Keywords
The name can include a geographical keyword such as the name of your city, state, or region such as Los Angeles Notary Services or Koreatown Mobile Notary.

Professional Keywords
It can also be more professional oriented such as Karen’s Signing Services, or Notary Pro to Go. One successful Notary used the name After Hours Notary, At Your Service Mobile Notary, Notary at your Door, etc.

But, what if you got yourself in trouble picking the wrong name?
Many Notaries use generic business names that nobody will associate with the profession like LMT Services. I would not want to hire them to be my Notary because their name doesn’t gel with the profession. You need what I call anchor keywords to tie in your business with the work being done and/or the area it is being done.

Names that might get you in trouble!
You could also name your business First American Notary and probably get sued by one of our nation’s largest title companies. If you used the same name a signing company used, that causes trouble too. Many companies pick names that are very similar to other company names and get mistaken for each other. National Signers, National Signing Solutions, National Notary Service, Signing National, etc. You can see. So, if you pick a name, try to avoid using words that other services use. Be unique, classy, and relevant to your profession and perhaps to your area. You could use a hotel-like strategy for naming your business like Comfort Notary, Quality Notary, or Holiday Notary. I don’t think those names would serve you well, but who knows. Then there is USA Notary which is too generic and national and not specific to a particular area. Canada Notary would be in the wrong country. Inuit Notary would be good in Alaska, but not anywhere else. Hopi Notary might be good in Arizona, but the tribal leaders might object — just make sure they don’t put a curse on you! Star Notary Service is too generic, but what about Celebrity Notary Service? Royal Notary doesn’t make sense because we have no royalty in America.

Here are some names of Notary businesses our Notaries have:

A1 Notary Services — Will get you up high in the yellow pages. But, might get you confused with steak sauce.
Bay Area Notary — Great name, and has been in business for over a decade.
SOMA Mobile Notary — What does SOMA stand for?
Golden Gate Mobile Notary & Apostille — Sounds like they definitely go to Marin County.
Affordable Notary — Will they be classy enough for my needs?
The Notary To Call — This one has 33 reviews. Sounds like they really are the Notary to Call.
TheBestNotary.Net — He did well with his business.
Arden Mobile Notary Service — It’s a name, but not flashy.
Diamond Star Notaries — Okay
Sunshine Notary Service — Warm and inviting, but do they do late night service?
Dash Notary — Sounds like a good bet if you are in a hurry.
CA Notary Services — They did well in business, but California is a huge state. I prefer a more pinpointed regional name.
One-Call Closing Services, LLC — Exciting. You just call them once and the job is as good as done.
On Call Closing Services — They are waiting for you. Sounds like they take their phone to bed with them.
Denver Metro Notary — A geographically informative name. I know their coverage areas just by the name alone.
Signed-N-Sealed — Very professional sounding.
I & S Notary and Wedding Services, LLC — I’d prefer IB + SD Notary & Wedding; sounds more romantic.
D & D Document — Easy to remember and gets to the point.
1-2-3 Spanish Notary — I prefer 1-2-3 Notary en Espanol if you want to appeal to the prospective clients.
Mobile Notary Services — Very generic; bad name! Probably not even registered with the county clerk.
The S and S Group — Sounds like they don’t do notary work as their main forte.
Indiana Mobile Closers — Statewide coverage? Cool
Notary Mobile Plus — Gets the idea across.
C & S Mobile Closers — Sounds like a generic name like JB Trucking.
Drive by Notary — Sounds like they do notary jobs but do drive by shootings on the side.
DJ Mobile Notary — Someone’s initials at use here.
Emily The Notary — Classy and charming.

So, what are my favorite names?
Emily The Notary — This is a personal and easy to remember name that connects you with the person’s name and what they do. It is simple for the brain to process too.
Dash Notary — This name captures the character of our industry. We live on the edge, always ready to rush off to a signing at the last minute. It is not so different from the term Minute Man which is popular in Massachusetts where we used to have Minute Men.
Golden Gate Mobile Notary & Apostille — This name incorporates a world-class local geographical icon with the notary business. Very classy and relevant to our profession, but with a $6 toll going South (ouch.)

What are your favorite names? Feel free to comment!

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Choosing a name for a business license
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http://blog.123notary.com/?p=7100

The notary profession is a profession – act like it is!
http://blog.123notary.com/?p=19598

When did Notary Cafe become decaffeinated?
http://blog.123notary.com/?p=20770

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October 31, 2020

Disney Notary World

Originally posted Dec 9, 2016.

If there were more Notaries in the United States, in addition to having lower rates due to increased competition, there would be a market for Disney Notary World!

Welcome to Disney Notary World
Start your tour by entering the park — get your ticket notarized. You could take the Notarial tram whose path is very twisty and turny as it is an exact giant replica of Mickey Mouse’s signature! Next, go to the haunted house for a signing. The problem is that the signers — are dead, or at least — they will be, and so will you!

Welcome to the Future
In the futuristic section there is a Robot that can notarize documents. He is trained to spot a fake ID faster than a human Notary. Warning, this means you might all be out of work, or have to carry a robot with you in your car.

Pirates of Pen Zance
Next, on to see the Pirates of Pen Zance. These pirates stole a gold pen from a very prominent Attorney Notary from the 1600’s and hid it in a cave in an island. But, everybody who came to find this pen ended up dead because of a curse. Can you find this pen?

Hyperspace Mountain
After that, get into a floating Notary seal, and go down hyperspace mountain until you go straight down into a pool of ink. Please leave all cellphones in a secure dry area.

War of Balloons
Fulfill your wildest fantasy. At this attraction you get to throw a water balloon at someone who works at a signing company who didn’t pay you. They will say, “The check is in the mail.” Then you throw a balloon. If you hit your target, you win a Daffy Duck doll and a giant check.

The Secretary of State
Bring your kids to this realistic Sec of State building. Wait in line (what else is new) and get your kids an official Disney Notary Commission and Notary Seal. They can get notarizing today! Just make sure they get proper ID and use the Disney Notary Journal,

Hall of Notaries
See photos and paintings of famous Notaries from history. You will find Notaries from Italy during the Renaissance, China, England, and other countries as well. You might even find yourself there. Don’t be surprised if you find Mickey Mouse in the hall of records as he was a Notary before he became a famous star. You have to start somewhere.

The Gift Store
For all of your unhappy customers who wrote a bad review about you claiming that if your tired of “Mickey Mouse Notarizations,” then don’t hire this Notary. You can get a Mickey Mouse doll with a notary seal, where you can get real Mickey Mouse Notarizations.

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Best virtual notary comedy compilation updated to 2018
http://blog.123notary.com/?p=17693

Notary space station: In space, nobody can hear you sign!
http://blog.123notary.com/?p=18920

Zoo – Welcome to the Notary Zoo (popular)
http://blog.123notary.com/?p=15994

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October 24, 2020

Ways to get arrested as a Notary Public

Filed under: Humorous Posts — admin @ 5:48 am

Originally posted in 2019

Many people think that being a Notary is a fun and easy way to make a few extra dollars. But, it can be dangerous and dramatic as well. Notaries do get arrested — not that often, but it happens.

1. Commit fraud involving real property
You will probably be looking at jail time if you commit fraud or falsify a notary certificate that has to do with a deed affecting real property.

2. Get in a physical altercation with a borrower
If the borrower yells at you and you punch them out, you might get arrested.

3. Get in an altercation with a family member or your daughter’s boyfriend
One Notary did this, the police were called, and this person had their commission revoked due to a felony conviction. It all happened so suddenly too.

4. Notarize someone who used a false ID and falsified thumbprints by using crazy glue on his thumb.
You will probably end up in court and might be investigated for conspiracy to commit fraud.

5. Drive too fast to a notary appointment.
Were you going 90 in a 30 mile an hour district because you were late to a signing because your printer got stuck on page three? You might get locked up for that.

6. Fail to keep journal entries or fail to keep them correctly.
Okay, you might not get arrested for this, but you might get your commission cancelled, revoked, or end up investigated in court where you will have no evidence. As a Notary, your journal is your only evidence in court because how can you honestly remember what you did three years ago when you probably had thousands of appointments that year?

7. Sell someone’s personal information
You might learn a whole lot about someone based on their information on the 1003. But, don’t share that with others otherwise you might get in trouble. Remember — that information is confidential.

8. Get caught snooping around someone’s house if you arrive before they get back from work.
Yes, the neighbors might call the police and you might get in trouble. On the other hand, if you did not engage in breaking and entering, you are probably okay.

9. Run over the borrower in the driveway
You might get arrested for that. It could be considered a hate crime if you hate your job. On the other hand, you could explain that you hate signing companies, not signers and the judge would probably understand.

10. Steal oxy-codene from the borrowers.
One Notary had to go to the bathroom. They did more than just urinate there. They walked out of that house with a lot of prescription medicine which doesn’t come cheap. It is hard to prove if you stole it, but that is one crime that 123notary is aware of.

11. Arrive drunk at a signing
Some signers arrive drunk or high at a signing. That is a way to get locked up as well as get fired. You could also dress like you are going to a club or going to the beach and you might get fired, but probably wouldn’t get locked up.

You might also like:

Notary arrested for stealing spices from borrowers
http://blog.123notary.com/?p=20799

A forged notary seal ends someone up with a prison sentence
http://blog.123notary.com/?p=21355

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October 23, 2020

123notary Elite Certification Study Guide

Filed under: Loan Signing 101 — Tags: , — admin @ 12:24 am

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ELITE CERTIFICATION

To get elite certification, you need to do well on the regular certification topics, and then know a lot more. Here are the items we quiz about for elite certification. We test by phone for the elite, and if you study hard and know your basic documents, scenarios, and Notary knowledge plus the content on this page, you could pass.

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Documents you have to understand intimately

Recorded Documents
Riders
Subordination Agreement
Residency Affidavit
Owners Affidavit
Deed of Reconveyance
Deed of Trust
CD & HUD-1
Please read the details of the required documents. Read more…

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Procedures or Acts to Understand

Signature by X or Mark — read more…
Apostilles and Authentications — read more…

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Other Terms or Information
Please click on the links below to get detailed information on the following points.

The term Elizor — read points 23 on this link. An Elizor is a court appointed official that can sign over property when the owner refuses to cooperate in court.

Explaining beneficial & financial interest. A Notary may not have beneficial interest or financial interest in anything he is notarizing. A beneficial interest could be construed as …

Federal Holidays in chronological order (memorize these). Let’s start with New Year’s Day, Martin Luther King Day, Washington’s Birthday, Memorial Day, Independence Day …

Fraud Prevention & types of fraud that happen in the Notary world. Falsified identification, incorrect dates on certificates, using someone else’s Notary seal …

Authority – Who has the highest level of authority if there is a question about a notary act or document at a signing? The Notary is the authority as to how a notary transaction happens, but…

Annual Percentage Rate — a detailed understanding is required. The APR is based on the amount borrower after certain (but not all) fees and closing costs have been deducted, and expressed as a …

Pros & Cons: — Adding an Acknowledgment rather than fixing the original. if there is a mistake on a preprinted form. It is cleaner to add a new form, but there can be recording fee issues involved…

What to do if John & Sally’s names are inscribed in an Acknowledgment by the Lender and Sally can’t make it. — Cross out or add a new form? This is similar to the last point, but there are some extra snags…

Handling name variations and discrepencies such as: ID Name, vs. Typed Name, Signature on Doc, and Name on Ack. Relationship between these names if they don’t exactly match. The main thing is to obey the law first…

Understanding dates such as: Transaction Dates, Signature Dates, Rescission Dates, and Document Dates… A transaction date is the same as a signature date, but a document date is arbitrarily chosen, but by whom?

Loan Signing FAQ’s that Borrowers ask. FAQ’s have been greatly reduced by Lenders being required to explain documents to the borrowers in advance. But, you still might be asked why the APR is …

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October 15, 2020

Names for Notary Businesses with Commentary

Filed under: Business Tips — admin @ 8:15 am

Notaries love to read about names for Notary businesses. Some names are geographical, some are funny, and some get you in trouble. Others sound cliche and a few are catchy. Here are some names we see and a few we made up for fun.

Notary 4 U
Now there is a name that works well on an email address.

Signatures 4 Less
Sounds like a bargain

Notaries R Us
Sounds like a Toys R Us commercial. Affidavits are in aisle three.

Seals on Wheels or Notary on Wheels
This on is popular.

Seal the Deal Mobile Notary
Talk about getting things done.

The Notarizer or The Noterator
I think Arnold has registered this name already.

Have Stamp Will Travel
Brings back memories of the old West.

What’s Up Docs
This signing service ended up not doing that well. People thought their name was goofy. But, Bugs Bunny liked it and that’s all that matters to me.

A1 Notary Services
Try this service out when Worcestershire Notary Services is busy!

Notary 90210
Great service, but discounts are probably not their thing in that zip code.

Notary Now
On a busy day, they temporarily change their name to Notary Later.

Jesus (pronounced Hey-soos) & the 12 Apostilles 24 hour Mobile Notary
“We’ll get the job done come hell or high water.”
Sounds like a great name for a Hispanic Notary & Apostille / Authentication Service.

Vampire 24 Hour Notary
“We are Vampires and never sleep. Our price for a Jurat is half a pint of blood with a straw.”

Right on Time Mobile Notary
If you worked for Domino’s Pizza you’ll have an in getting a job from these guys.

Prestige Mobile Notaries
I think the 90210 is still a better idea. Don’t say it — show it…

Royal Notary Service
I’m sure this is where Queen Elizabeth gets her Affidavits.

A. Paul Steele
Sounds like a great name unless your clients want an Authentication!

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You might also like:

Names for Notary businesses that can get you in trouble
http://blog.123notary.com/?p=19064

Geographic Notary Business Names
http://blog.123notary.com/?p=19060

Notary Business Names
http://blog.123notary.com/?p=2302

Choosing a name for a business license
http://blog.123notary.com/?p=7103

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

Deceptive Identities – Companies that change their names
http://blog.123notary.com/?p=1090

Stealing a Business Name
http://blog.123notary.com/?p=2660

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July 27, 2020

Does the signer sign the notary certificate?

Filed under: Notary Mistakes — admin @ 10:21 pm

Many of you will notice that on a Notary certificate such as an acknowledgment certificate or jurat certificate there is no place for the signer to sign. The certificate forms are for the notary to fill out — for the notary ONLY. The notary indicates the venue, date, who the signer(s) are, and entering the name of the notary. The notary signs and seals (stamps) but the signer should not inscribe any information on that form.

BTW, this is a beginner question. If you are advanced and don’t know this — good God!

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