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January 5, 2011

When you can’t stamp!

Filed under: Popular on Twitter,Technical & Legal — admin @ 12:46 am

When You Can’t Stamp – Conditions For Turning Down A Notarization

Notaries fulfill a critical role in our society. If you’ve taken up the stamp yourself, you’ve already gone through plenty of training to familiarize yourself with your responsibilities. It’s always handy to review the situations in which you should turn down a notarization, though. Handling these delicate incidents with care is an important part of your job.

Know Your Statutes And Regulations

While the broad responsibilities of notaries are the same all over the country, specific regulations vary from state to state. For instance, in some states (like California), employers can set restrictions on what employees can and cannot notarize during business hours. In other states, notaries have an ironclad obligation to provide their services to qualified citizens. Make sure you’re thoroughly familiar with the rules governing notaries in your own state so that you’re in full compliance.

Remember that part of your responsibility as a notary is to document the work you perform. If you refuse to perform a notarization or simply have misgivings about one or more points of a particular document, make sure you record the event in detail in your notarial journal.

General Issues That Can Prevent Notarization

Most of the common reasons to turn down a notarization are fairly obvious. In situations where you can’t verify a signer’s identity, communicate with a signer (e.g. language barriers), or where one or more parties are absent, it is both your right and obligation to turn away the signers. You should also refrain from notarizing documents that involve you or your close family members or those that subject you to conflict of interest in some other way. Incomplete documents or improperly formatted ones are grounds for a refusal as well.

There are more questionable areas where you are within your rights to refuse service. If you know or suspect that the documents presented to you represent a fraudulent transaction, or you suspect that one of the signers is being coerced into signing, you have a right to refuse service. Document such cases extensively in your journal, as these are the sort of circumstances that may be investigated by authorities later.

Hot-Button Topics

As public servants, notaries have an obligation to perform their jobs without regard to their personal feelings and biases. This means you can’t refuse service to a client based on their gender, race, religion, or orientation. Modern society can present you with many different documents for notarization whose content makes you uncomfortable. Examples include documents that touch on same-sex marriage, euthanasia, abortion, and legal marijuana.

In situations like this, you have to bear in mind that your responsibilities do not extend to interpreting the laws which govern your state. Set aside your personal bias and remember that your notarial services do not in any way serve as an endorsement of laws you don’t agree with.

Refusing To Serve With Grace

It’s very easy to think about refusing a notarization when you confine yourself to hypothetical scenarios. Matters become more complicated when you’re facing an actual signer and need to turn them away, though. Tact is your strongest ally in these situations.

Remember that you don’t have any obligation to expose yourself to risk. If you’re turning down a notarization because you suspect foul play, you’re entitled to give a less contentious explanation, such as being unfamiliar with the type of documents involved. Fortunately, these situations are few and far between. With most refusals, you’ll have a clear legal basis for refusing to notarize. Explain this as thoroughly and professionally as possible.

Turning away signers who want your services isn’t the easiest part of your job as a notary. As long as you maintain a clear grasp of your obligations and their limits and behave professionally, though, you should be able to keep both yourself and your clients within the bounds of the law.

Jeff Wise is a health care professional who specializes in senior care. If you are looking for premium in-home care for your loved one, visit MiamiHomeCareServices.com today.

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January 1, 2011

Thank You – Excuse Me – I’m Sorry

Filed under: Etiquette,Ken Edelstein — Tags: , — admin @ 11:36 pm

Thank You, Excuse Me, I’m Sorry
Now that’s an odd title! But the three are actually related, much more so than you might expect. The first thing that comes to my mind is the term (that applies to each) underused. The second term that seems to apply is overused. Paradox? Of course. My regular readers expect no less from me, and this blog will not disappoint you.

GENUINE Thank You(s) are way too few and far between. When you are leaving the borrower’s home do you take a moment to say “Thank You for your time”? Do you send a Thank You when receiving an assignment? Think back when you were a little kid. Mom often said “What do you say” to prompt you for giving a Thank You to the person who did a kindness to you. Mom stressed that thousands of times to drill it into your little brain so it would become a lifelong part of you. When did you start to forget that Mother Knows Best?

Thank You is just the first two words. They should be followed by “for” and a description of what action the recipient has taken to earn your gratitude. Thank You for your nice compliment about my shoes, is an example. A Thank You without details seems robotic and a bit hollow; kinda like an autonomic mindless reflect statement. Make your Thank You genuine and actually talk with substance and conviction; let them know your words are relevant and genuine.

Excuse Me has some very interesting uses. Recently, it seems to be spoken after deliberate bad manners; to absolve the transgressor for their misbehavior. It does not accomplish that objective. I know one person, basically a nice guy, who has a most annoying habit. He constantly interrupts when I am speaking to him. His interruptions are always prefaced with a loud “EXCUSE ME” followed by whatever he wanted to say. He seems to feel that a formerly used for politeness term can be invoked to permit bad manners. A real Excuse Me is for, typically, an accidental transgression. You are in the supermarket reaching for the last can of tuna that has been marked down. Just as your hand is about to grasp the can, the shopper behind you, moving a bit quicker; snatches the tuna for their shopping cart. You are momentarily stunned by their action. They say “Excuse Me”, Jeremy would not publish what I would say to that shopper.

Lastly, I come to “I’m Sorry”. So very inappropriately used, especially by business entities. As I write this I am waiting for an item to be delivered that should have been here yesterday. I ordered the item at 10AM and paid for 2 day FedEx delivery. I was assured it would be shipped the day ordered and arrive in 2 shipping days. Well, today is the third day and I checked and found the item is “Out for Delivery”, a day late. When it did not arrive yesterday I called the vendor and complained that I paid for 2 day delivery and did not receive the service that was promised and paid for.

“I’m Sorry” about the delay, we did not ship till the day after you placed the order. You did order in plenty of time for us to make the shipment that day, again we are sorry about the situation. My response was direct and probably a bit on the aggressive side: I’m sorry and other apologies are for small children when they deviate from proper behavior. Your business is not operated by small children. Businesses make “restitution” for their errors and do not “wash them away” with a blithe verbal apology.Kindly refund the price of the shipping. There is a 2 day FedEx rate and a 3 day FedEx rate. Subtract the smaller from the larger and refund it to me. I’m sorry does not “cut it” in commercial transactions. I was fortunate to speak to a senior manager who appreciated the logic of my argument and issued a partial refund.

As a http://newyorkmobilenotarypublic.com I have ample opportunity to say Thank You, Excuse Me, and I’m Sorry. I thank persons who extend me a courtesy, such as selecting me for a notary assignment. I ask that the homeowner excuse me when I forgot to wipe my shoes on their entrance rug prior to entering their spotless house. I have made I’m Sorry but I will be a few minutes late calls; when stuck behind a fire truck on the way to a signing. They are magic terms, when used appropriately. It is the intentional misuse of these phrases, as a perceived exoneration for anti-social behavior that leaves a very bad impression. Sincerity, politeness and honesty will never go out of style.

Tweets
(1) I’m sorry and other apologies are for small children when they deviate from proper behavior. Your business is not operated by small children.
(2) Businesses make “restitution” for their errors and do not “wash them away” with a blithe verbal apology.

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November 29, 2010

Just Say No Article #2

Assisting with Immigration issues
If you are not an immigration expert, don’t answer immigration questions and don’t advertise yourself as an immigration expert. However, notaries are allowed to notarize many types of immigration documents. Just don’t give advice.

Assisting with legal advice
If asked for legal advice, if you are not an attorney, please refrain from giving legal advice as it might constitute unauthorized practice of law. Drafting legal documents, i.e. documents to be used in court or submitted to a judge or attorney could constitute legal advice or service (unauthorized practice of law) in many states. Don’t even offer to recommened particular notary procedures for their document, as that also could constitute unauthorized practice of law.

Backdating
Putting a date on a document’s notary certificate section that is previous to the current date is considered backdating and is illegal. Don’t backdate. Many signing companies will ask you to backdate when they are in a pinch and will lose their lock on the borrower’s loan. That is their problem, not yours. If you backdate you could lose your commission if you get caught. It is a misdemeanor in many states to ask a notary to commit fraud, so you can report a company that asks you or coerces you into backdating.

Don’t make notarial recommendations
Customers always ask what type of notarization they should get. You are not allowed to tell them in many states. You can describe the attributes of the various types of notarizations and ask what the document custodian would like too. Just don’t make recommendations.

Letting your boss review your journal
Your boss can not inspect your journal on their own. However, if you are present, then its okay if your boss inspects the journal. The notary should not let the public see journal entries unrelated to their specific business. Its best to make a copy of the journal entry that blocks out other entries to protect the privacy of the others who you notarized. If not all of the notarizations are related to your boss, it would be better if you make a copy of the journal entry in question rather than letting the boss look at the whole journal while you are there.

Blanks?
Don’t notarize a document with blanks in it. The blanks must somehow be filled in or crossed out. Otherwise you must decline from notarizing that document.

Lock up your seal and journal
Not all states require a seal and journal, but these instruments are the exclusive property of the notary and must be kept under lock and key. Don’t let others use them or you can get in big trouble, and so can the person who used them.

Don’t notarize parts of documents
If you are handed page three of a long document, you can not notarize it as a separate entity. Documents must be in their complete form to be notarized. Don’t only notarize the last page of a document — the page that contains the certificate wording either.

Failure to emboss?
Its not required by law to emboss pages, but if you choose to emboss every page of every document you notarized, it becomes difficult to substitute pages of documents without getting caught. Embossers leave a raised seal that can not be photocopied, so you will be detering a lot of funny business using an embosser.

You might also like:

Notaries that fail and what they did wrong!

Everything you need to know about journals

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

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