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November 11, 2020

Oaths — how Notaries completely screw them up!

Oaths are an official Notarial act in all states if my memory serves correctly. Oaths unfortunately are very misunderstood and generally poorly administered if administered at all. So, let me straighten out some common problems that I have seen with Oaths.

By definition, all Jurat Notary Acts must include an Oath. A Jurat is a Notary Act with a written statement and an Oath. The documentation of the Oath has verbiage such as, “Subscribed and sworn to before me ______ on this ______ (date) by _____ (name of affiant).” There are various problems that occur here. Oaths also can occur as independent and purely oral acts.

1. Omission of Oath
Most Notaries omit the required Oath for a Jurat. In California, your commission can be suspended, revoked, or terminated by omitting an Oath and you can also be fined $750 per incident. Other states do not teach Oaths, not fine you if you forget to administer it which is exactly why most out of state Notaries simply don’t do the Oath. Nobody is putting a gun to their head, so why should they unless they have integrity which they usually don’t have according to my recent findings. Sad!

2. The word Swear omitted.
When administering an Oath, you must use the word swear, otherwise in my book it is not an Oath. A good Oath requires the signer to raise their right hand, the word solemnly should ideally be used before the word swear (for good form), the phrase, “under the penalty of perjury” could also be used, and the clause, “So help you God” should also be used. Although there is no prescribed Oath verbiage, if you don’t swear, it isn’t an Oath. Some Notaries prefer to affirm, state, acknowledge or attest rather than using the word swear since swearing offends the ultra-religious and ultra-athiest members of the public. So, for those who don’t want to swear, don’t use an Oath — use an affirmation instead which does not mention God or swearing.

3. What if people don’t want to use the word swear?
Some people find it offensive to use the word swear or God in an Oath. For them, you use the sister act which is an Affirmation which is allowed in most if not all states. But, don’t confuse the two acts even though they are interchangeable — they are not the same thing and you can not cross use the verbiage for one act on another. If you Oath you swear and if you do an Affirmation, you Affirm. You do not affirm with an Oath.

4. Using exchangeable verbiage.
Some states allow or prescribe verbiage such as, “Do you solemnly swear or affirm that the contents of this document are true and correct?” That is acceptable to me as an Oath because you used the word Swear even though you had alternate verbiage. But, you did not omit swear to only use the alternate verbiage which would disqualify the act as an Oath.

5. Court Oath vs. Jurat Oath.
There are many types of Oaths out there. You can swear people into court, solemnize a marriage, swear someone into office, or have them swear to a document. Notaries should PRACTICE the various types of Oaths so that they can master each type and not confuse them otherwise the Notary will look like an idiot (this happens a lot with our members.) It is common for me to ask for an Oath for a document and the Notary says, “Do you solemnly swear to tell the truth, the whole truth and nothing but the truth?” I say, “I do, but can we now say an Oath for my document?” That is not a document Oath, that is a swearing you into court Oath.

6. Swearing that I voluntarily signed a document
Many Notaries will have me swear that I voluntarily signed a document. This is required in many instances in Massachusetts, however, swearing that I signed a document is not necessary in most states since the Notary watched the person sign, and making sure you signed voluntarily has never been an issue for anybody I know. If you were under duress, would you suddently tell the Notary simply because he asked or would you get nervous? Hmmm. There is no harm in asking if I signed a document on my own free will, so long as you don’t forget to give Oath verbiage about the document in Jurat Oath where the point of the Oath is to swear to facts contained in the document.

7. Swearing that I am the person in my ID
This is ridiculous. If I were an identity fraud, would I say that the ID was not mine? Many Notaries administer an Oath on my ID when I ask them to do an Oath on my document. The ID is not the document — get it straight.

8. Omitting the word document
If you are doing a Jurat Oath but give an Oath that “the information” is true and correct doesn’t cut it. If you are giving an Oath about a particular document, you must reference the document somehow. “Do you solemnly swear that the contents of the document before you are true and correct to the best of your knowledge, so help you God?” That would be an acceptable Oath because you are swearing, and swearing to a particular document rather than to thin air.

9. Relying on cheat sheets.
Many Notaries can only do an Oath when they have their recommended wording from their state with them. If for any reason they should lose the cheat sheet, they would not be able to lawfully conduct their duties as Notary Public. If you practice giving Oaths, you can give them by heard. Additionally, many Notaries give inapplicable Oaths as I mentioned above, so relying on reading text that you don’t understand the meaning of is useless. You need to understand the meaning and significance of the Oath you are giving otherwise it serves no intrinsic purpose.

10. Subscribed and Sworn.
Many Notaries say, “Subsribed and sworn to this ____ day of ___” when I ask them to deliver an Oath. That is the written documentation that an Oath took place. It is NOT the Oath itself. Oath wording typically starts with, “Do you solemnly swear…” and you should have the person raise their right hand.

11. A Jurat is not an Oath
Oath is to Jurat what Motor is to Automobile. A Jurat has an Oath, but a Jurat is not an Oath. An Oath can be an independent Notarial act which in most states has no written certificate. Florida has a useless certificate which says there was an Oath, but doesn’t give any indication of what was sworn to or the type of Oath. You might as well not have paperwork if it is that lame.

12. Notary Acts
When I ask people to name some Notary acts, most people claim not to know what I am talking about. They commonly mention Acknowledgments and Jurats. Few mention Oaths. Oaths and Affirmations are Official Notarial Acts in all or nearly all states. Notaries are required by law to administer Oaths if the public requests them from you. If you have never been asked to do one, that doesn’t preclude the possibility that you will be asked to do one. You are also not exempt from the responsibility of knowing how to administer one. If you are a commissioned Notary Public, you are responsible to administer Oaths, and correct sounding relevant Oaths, otherwise your state has the right to decommission you — and in my opinion they should.

MY RECOMMENDATIONS

Here is some standard Oath wording I like for documents.
“Do you solemnly swear under the penalty of perjury that the information in this document is true and correct to the best of your knowledge and that you agree to and will abide by the terms — if any in the document, so help you God?”
Please notice that I mentioned terms. What good is swearing to an agreement if you only agree that the agreement is true? The point of an agreement is that you agree to the agreement and will follow the terms of the agreement. Having a “useful” Oath rather than a correct but “useless” Oath makes a lot of sense. If your Oath serves no purpose, then why give one?

BAD OATHS
Here are some examples of wrong Oaths for Jurat documents for your reading pleasure.

“Do you acknowledge that this is correct?”
“Do you affirm that the document is correct?”
“Do you solemnly swear to tell the truth, the whole truth, and nothing but the truth so help you God?”
“Subscribed and Sworn to before me.”
“Do you solemnly swear that this is your true ID?”

OKAY OATHS
“Do you swear that the foregoing is correct?”
“Do you solemnly swear that the document in front of you is true and correct to the best of your knowledge?”

COMMENTARY
Most states do not teach the art of Oath giving, but they should. Notaries are required by law to administer Oaths, yet the majority of Notaries either give no Oath, inapplicable Oaths, or poorly worded Oaths while others rely on cheat sheets which is bad. Using cheat sheets is okay, but relying exclusively on some standardized wording for Jurat Oaths is not acceptable. There are situations where there is REQUIRED prescribed wording where you have to use that particular wording. In such a circumstance it is okay to rely on particular wording. However, for Jurat Oaths, you should be able to make up an Oath, otherwise I will fail you.

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You might also like:

Notary Public 101 guide to Oaths, Affirmations, Jurats & Acknowledgments
http://blog.123notary.com/?p=19500

Airline meals vs. Oaths & Affirmations
http://blog.123notary.com/?p=19549

Affirmations – pleasing the politically correct while offending the traditional people.
http://blog.123notary.com/?p=19606

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November 8, 2020

Elite Certification will benefit you for the rest of your life

It sounds ominous, but could be good too. Like if it were a goose that laid golden eggs. How can one possibly get such a goose? Easy — from 123notary!

Many Notaries say, “I studied already, why do I have to study again?” The answer is that in any profession, to keep you up to the highest standards you have to keep studying. And we have raised our standards and want to raise you with our standards. In the old days, we only asked a few questions to elite certify people because we were not organized about that particular test simply because so few people would take it. Now, we are giving it for free to many, and asking several dozen well organized questions falling into several categories. But, let’s do a cost and benefit analysis.

Cost – Free, but you need to invest 5 hours
It might take a few hours to study for the elite quiz. However, it does not cost money now. We used to charge $179, but now it is free, and lazy Notaries are not jumping at the opportunity because they want to get paid for services when they don’t understand what they are doing (despite their claims of being an expert.) I quiz people all day long and only 3% of you guys know what you are doing regardless of how many decades you have been doing Notary work incorrectly or illegally.

Just review basic notary acts and procedures. Review which documents cover what topics. Review the advanced elite topics in our study guide. It is not that hard and you can learn it.

Benefits:

1. Elite Certification is something you can keep for life.
We might want to do brush up quizzes from time to time, and you might have to review, but it is given with the intention of being a life designation. Whatever studying you do will benefit you with this icon for the rest of your career — day after day, month after month, year after year. You will get more money and jobs for the rest of your career.

2. Make $14 more per signing.
A poll of three hundred Notaries revealed that those who passed our elite certification made $14 more per signing than those who were not 123notary certified. Most Notaries complain that they don’t get paid enough and that they want to find a way to get paid more. Meriting the pay by proving your knowledge is the key. Our elite certification is highly prized and will get you more pay

3. Get more work
Those who are elite certified get a lot more clicks to their listing and a lot more work. I would estimate that they get close to double the work and more money per job. That translates into perhaps triple the income after expenses are paid such as car, printing, phone, etc.

4. Get favors from 123notary
We don’t always do people favors, and sometimes we do unfavors if you don’t login for 120 days (I’m sure you heard about that.) But, Elite Certified Notaries are a special breed, and if we can find a way to raise them up the list, we will. I am not promising anything, but we regularly reward Elite Certified members.

5. Get more respect from title companies
Title companies prefer our Elite members. If you are tired of signing services, get elite!

6. Legal safety
Most Notaries are not aware that being a Notary has legal liabilities. Some of the liability comes because of fraud or misunderstandings that can happen to you that is beyond your control. However, a lot of the danger that happens to Notaries happens because they do not take safety precautions in their paperwork, nor do they follow the law in many instances. Our elite program helps you be cautious and law abiding which could save you from being a witness or defendant in court. Being subpoenaed to court happens to 15% of full time Notaries eventually and is more common that you think. Reduce the chances of this happening to you by being safe and taking all the possible precautions.

7. Knowledge and pride
Most Notaries are proud of themselves thinking that they know it all when they know close to nothing. Having our Elite Certification proves that you are in the top 2% of our Notaries and really know your stuff up to a very high standard. You can feel pride based on real knowledge and not on an arrogant misconception of knowledge.

Elite Certification can change your life. It only takes a few hours of study. I assure you that it is more than worth it.

You might also like:

Why you should consider getting 123notary Elite Certified
http://blog.123notary.com/?p=20094

Studying to be elite certified is worth $533 per minute
http://blog.123notary.com/?p=20774

The elite certification study guide
http://blog.123notary.com/?p=20118

Attention Title Companies – what you need to know about our new certification standards.
http://blog.123notary.com/?p=21065

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November 6, 2020

Notarizing Multi-Page Documents

Should a Notary notarize every page of a document? How can a Notary or signer safeguard themselves from someone swapping pages in a document after the notarization has taken place? You need answers! Here they are!

1. A Notary Public notarizes signatures on documents, not pages on documents. A particular page or pages might have notary certificates within a document. Or, a certificate could be stapled to the back of a document. Ideally that certificate should identify the corresponding document. If you have a ten page document, there will most likely only be one, and possibly two pages with notary wording.

2. A prudent Notary Public carries what is called an inkless embosser that leaves a raised seal impression. This is in ADDITION to having the legally required inked seal that is used with blank ink. The embosser can be used to emboss every single page in a notarized document. I did exactly that on everything I notarized even if there were 100 pages. I did this for safety reasons. I did not want people to get away with switching pages after the fact and dragging me into court as a result of someone else not liking the idea that a page was swapped.

3. If a signer swaps a page from a notarized document, and that page was embossed, they can still swap the page. However, it will not be legal, and it will be very obvious to the Notary Public if investigated that the new page was not part of the original notarization as the notary embosses all pages — if the notary indeed was the type of notary who embossed all pages — like me!

4. Some people initial all pages. Initialing is a type of precaution. But, initials can be forged easily, and it is sometimes not easy to tell if they were forged.

5. If a document had a page swapped, the staple and staple area in the pages might show evidence of tampering. The degree of evidence depends on how skillful the fraud was at swapping pages. Luckly in my career of 6000 Notary appointments I did not have this issue.

6. If you need to add a page to an already notarized document. What can you do? You have to notarize the entire document all over again. I had that happen. What a pain. The signer wasn’t happy. Sorry — just following the law!

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You might also like:

Notarizing Multi-Page Documents 2011 edition
http://blog.123notary.com/?p=1706

Sending loose certificates is illegal
http://blog.123notary.com/?p=2470

Penalties for misconduct, fraud and failure of duty
http://blog.123notary.com/?p=21315

How often do Notaries end up in court?
http://blog.123notary.com/?p=19914

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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!

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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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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 17, 2020

13 ways to get sued as a Notary

Originally posted in 2017

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

Find Notary Services Near Me
http://blog.123notary.com/?tag=notary-services-near-me

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August 11, 2020

Online notary services – should the system be tested?

Filed under: Technical & Legal — admin @ 8:44 am

A bunch of states are in a huge hurry to implement online notary services as a form of legal notarization. However, online notarizations increase the possibility of fraud. The question is how much fraud?

As with any other system, there is no way to predict how much fraud a new system will cause or facilitate. If you test a system over the course of years and get some analytics on how often court cases happen in comparison to traditional notary services, then you can see if the risk is worth the reward.

The problem is that so many states are enabling RON all at once, that if there is a serious problem, this could effect elections, and all sorts of notarized documents. It could even invalidate elections if fraud is investigated and force elections to be held all over or at a minimum create ongoing conflicts between democrats and republicans.

Personally, I think it is better to vote in person instead of seeing a notary to get an absentee ballot notarized. There is less possibility for complications and fraud. And absentee ballots without a notary seems like suicide as fraud would be rampant. Mailing in a copy of your ID doesn’t compare it to what you look like in real life — that is the job of a notary to compare.

Shut downs are another example of states trying untested processes by just jumping on the bandwagon. If shut downs are detrimental to economies, then instead of one state having an economic problem, all states will have on all at once. Would it not be a better idea to test out what happens when you shut down an economy for three months? You can track all of the suicides, child molestation, alcoholism, protests, and long term economic damage before implementing shut downs on a massive scale. When disaster strikes is NOT the time to be experimenting with anything.

PATIENT: Can we go to the sun to get a solution to Covid19?

DOCTOR: It would be too hot

PATIENT: What if we went at night?

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May 13, 2020

If you have multiple listings on 123notary, what happens to the reviews

Filed under: Reviews — admin @ 9:44 am

Reviews on 123notary are supposed to be unique to each listing. We do not want to have pages completely copied as we are not sure how Google will react. This is for marketing and SEO reasons and not for integrity or notary reasons. So, if you started with one listng and then purchased two more listings, you would not start off with reviews on the new listings. So, is there a solution? Yes.

We allow Notaries to copy ONE of the reviews, so pick the best one. We will also copy another review upon request. The bottom line is that we want each review to come on a different day and from a different IP address. What we don’t like is for someone to have three reviews published the same day as that looks cheesy. We also don’t want multiple reviews coming from the same IP address as that looks fraudulent.

So, although we do have restrictions, we can also help you get two reviews on your new listings almost immediately.

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May 4, 2020

Notary in Texas gives permission for someone to forge her signature?

Filed under: Technical & Legal — admin @ 9:38 am

I am reading an interesting article that states that an eNotary in Texas offered permission for another individual to forge her signature on an electronically filed Affidavit in Support of Defendant’s Motion for New Trial document. An email was the proof that the notary authorized permission to conduct this act of fraud. I wonder if there was an eJournal entry as evidence in this case too. Read the entire story below.

https://www.lmtonline.com/local/crime/article/Court-records-shed-light-on-Texas-Rangers-raid-15107655.php

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