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May 21, 2019

A lady Notary gets a request for backdating. Hear this brilliant solution

Filed under: Technical & Legal — admin @ 11:05 am

This is a tip from one of our most seasoned Notaries that we’ve ever had. What season? Hmmm. Autumn! She got a request for backdating. She says it is hard to get the request in writing.

If it were me I would tell them — just put the job specifications in writing and I will deal with it accordingly.

That way I am not incriminating myself, but I sure as hell will report their (&*#) to the Sec of State once I get that instruction sheet telling me what date to put in my journal and on the documents. That is fraud central.

So, yet another great tip from one of our great Notaries relayed to you by me… the messenger!

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January 12, 2012

Backdating from A to Z

Backdating from A to Z for Notaries 

Backdating is the act of putting a fraudulent date on a notarial certificate such as an Acknowledgment Certificate or Jurat Certificate, etc. Backdating is illegal and you can lose your commission, and perhaps face fines or even jail time if your crime is serious enough.
 
It is common for Lenders, or people who work in Title offices to have to close a loan by a particular date, or they will lose their lock and lose the interest rate that was agreed upon.  If the loan MUST be signed by the 5th, but there was a delay in getting the paperwork ready, or the notary couldn’t come until the 6th, then the notary might be asked to backdate!  Gulp!  You will feel pressured to do it to keep the client happy. You will/might lose your pay, and the client if you don’t do what they want — but, if you comply, you could get into legal trouble which could ruin your career or life, and perhaps your afterlife as well.  So, what are your priorities?  Do you want to oben the law and lose a client, or risk it all for a bunch of nitwits who don’t have their act together?
 
If a loan is signed on the 6th, and the journal entries for the signatures on notarized documents are on the 6th, then the date that goes in the journal and the 6th, and the date that goes on the notary certificate wording is also the 6th.  If the signing is close to midnight of the 6th, then you might be able to legally date it the 7th if part of the notary procedures went past midnight.  

Please keep in mind that the document date might be the date of the signing or earlier. The document date can be whatever the document drafter chooses, and it serves little purpose other than to identify the document and distinguish it from other similar documents.

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Notarization Dates, Document Dates & Signature Dates!
http://blog.123notary.com/?p=2421

Seal Forgery — it happened to me!
http://blog.123notary.com/?p=724

She lost a great account because she didn’t want to backdate
http://blog.123notary.com/?p=22229

What is a document date?
http://blog.123notary.com/?p=21431

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August 20, 2019

A bar only for “cool” notaries

Filed under: Virtual Comedy Themes — admin @ 11:48 pm

I had a dream that I bought a bar and wanted to make it the coolest place only, and for Notaries primarily. So, what I did was to create this apparatus called a “coolometer”. It is a little like how they strap you to a laughometer at comedy places where they charge by the laugh. The coolometer measures how cool you are, so the bouncer can decide whether or not to let you in on a busy night.

In any case, the machine has a rating from one to ten to test how cool you are. On a regular night you need to score at least four so we know you are not a complete dweeb. But, on the weekends you need to score at least six. Day time we did not have too many restrictions just as long as you weren’t scaring people away.

So, the bar did well. Many Notaries came and swapped stories about backdating, who paid, who didn’t, and more. Some Notaries decided to become pick up artists and come up with pick up lines (which usually didn’t work.

Do you sign her often?
What’s your sign?

LINE: Do your parents know that you hang out in dangerous neighborhoods after dark?
RESPONSE: This neighborhood isn’t dangerous.
LINE: It is when I’m here baby!

In any case, everyone had a good time and the bouncer had the necessary tools to pick them. Thank God he didn’t decide to screen people based on Notary knowledge otherwise the bar would have been empty. But, then, I decided to visit my own bar. The bouncer strapped me to my coolometer and said that I only scored a three and couldn’t come in. I said, “But, I invented this machine — not fair… plus I am the owner. What gives?” Then he said, “Just kidding.” I was so riled after that I had to have a home made ginger beer spiked with rum. Good God. And remember — Don’t drink and sign!

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Bartender Notary – a reverse mortgage on the rocks
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Best virtual Notary comedy compilation up to 2018
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August 16, 2019

Confessions of a Notary

Filed under: Other Guest Bloggers — admin @ 11:35 pm

Notary, Jean, walks into a confessional booth, shuts the door and sits down. The PRIEST
begins with the sign of the cross.

JEAN: Forgive me Father for I have sinned. It has been about 3 years since my last confession. Ooph, where do I begin?
(Silence.) Okay… I have lied, a lot, for my job.

PRIEST: How so?

JEAN: Well, I backdated a document for a client–big no-no. I often don’t check ID’s in meetings with clients. Oh, I tried to help this poor girl with a document. Her mom was so sick that she couldn’t make it to the appointment, so I didn’t witness her signature–but though I know that’s wrong, I think Jesus would be on board with that one because I was helping someone in need. Granted, it was her mother’s will…Oh SHIT! I don’t think her mom signed that…FUCK!

PRIEST: Excuse me?

JEAN: Oh, and I cussed during confession…Sorry.

PRIEST: You must be a notary.

JEAN: Yeah. I am.

PRIEST: I absolve you of your sins. You may go.

JEAN: goes to leave.
If I could offer some advice?

JEAN: Yes.

PRIEST: Maybe follow the law, and you know, not commit fraud for people.

JEAN: Right. Thank you, Father.

JEAN leaves. Another PERSON enters.

PRIEST: Before we begin, what is your profession?

PERSON: Notary?

PRIEST: Oh gosh. Let’s begin in the name of–
End.

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June 22, 2019

She lost a great account because she didn’t want to backdate

Filed under: Marketing Articles — admin @ 12:20 pm

This type of story is not something we hear about much. Companies will not typically ask you to backdate. They only ask when there is some huge financial loss that they will incur if they don’t. What these companies don’t seem to understand is that the consequences of getting caught are far worse than the small commission or few thousand you lose if you have to redraw the loan or lose the loan entirely.

This particular Notary had a nice client for years. She did many jobs for them month after month. Then one day they were in a jam and asked her to backdate for them. The Notary said no, and the company never used her again. Hmmm. With friends like them who needs enemies!

I have never heard a story exactly like this before. The moral of the story is that people who hire Notaries are typically people lacking any sort of scruples, so don’t expect anything from them. And if they ask for illegal things, don’t do it. And if you get fired as a result, just make sure you have a large compilation of other clients because you’ll be needing them.

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A lady got a request for backdating — hear her brilliant solutions
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Backdating from A to Z
http://blog.123notary.com/?p=2424

What is a document date?
http://blog.123notary.com/?p=21431

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February 16, 2019

What is a document date?

Filed under: Technical & Legal — Tags: , , — admin @ 10:42 am

What is a document date on a document? Is the document date an important fact for Notaries to know? There is a great bit of confusion about this topic.

A document date is an arbitrary date that the document drafter adds or inscribes within the document. Although the document date is arbitrary, certain customs apply.

The document date is usually based on the date the document is either written, becomes effective, or is intended to be signed.

In real life, sometimes signings are postponed by a day or two because something came up. The main point to remember here is that there is no hard and fast rule as to what a document date is, can be or should be. To further research this point, I read through the first several dozen posts on Google about this topic and none of them address is clearly.

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Document dates, signature dates, and rescission dates
http://blog.123notary.com/?p=20189

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November 20, 2018

123notary’s Index of Popular Notary Articles

I am not sure how this is going to go, because there are more than a thousand articles on our site. So, wish me luck and I hope this post is valuable.

COURSES
http://blog.123notary.com/?p=20276
Beginner Notaries 103 Course – http://blog.123notary.com/?p=21112
Notary Etiquette 104 – http://blog.123notary.com/?p=21132

TECHNICAL POSTS
Journals — http://blog.123notary.com/?p=20272
Certificates — http://blog.123notary.com/?p=20268
Notary Acts — http://blog.123notary.com/?p=20280
General Notary Information — http://blog.123notary.com/?p=20264
Documents — http://blog.123notary.com/?p=20258
Law Suits & Legal Risks – http://blog.123notary.com/?p=20478
Credible Witnesses – http://blog.123notary.com/?p=20414
Index of posts about Power of Attorney – http://blog.123notary.com/?p=20255

MARKETING
Notary Marketing 102 Course – http://blog.123notary.com/?p=19774
Index of Marketing Posts – http://blog.123notary.com/?p=20284
Snapdocs Compilation – http://blog.123notary.com/?p=21531
Phone Etiquette – http://blog.123notary.com/?p=20505
Compilation of certification posts – http://blog.123notary.com/?p=16264
10 rules for negotiating fees – http://blog.123notary.com/?p=19620
How to write a notes section if you are a beginner – http://blog.123notary.com/?p=16698

PUBLIC INTEREST
Find a Notary – http://blog.123notary.com/?tag=find-a-notary
Posts about fraud – http://blog.123notary.com/?p=21527

GUEST BLOGGERS
String of guest blogs – http://blog.123notary.com/?cat=230
Compilation of guest blogs – http://blog.123notary.com/?p=22472

HUMOROUS & DRAMA POSTS
Best comedy articles 2010 to 2014 – http://blog.123notary.com/?p=20288
Stories on the blog – http://blog.123notary.com/?p=21898
Posts about Notary & Politics – http://blog.123notary.com/?p=20357
Compilation of mafia related posts – http://blog.123notary.com/?p=20352
Best Virtual Comedy Posts to 2018 – http://blog.123notary.com/?p=17693
Notary Restaurant Post Compilation – http://blog.123notary.com/?p=17442
Notary Dating & Romance – http://blog.123notary.com/?p=17451
Compilation of Notary Sit-Com Episodes – http://blog.123notary.com/?p=15949

GENERAL
Best blog posts since 2010 – http://blog.123notary.com/?p=21650
Posts about 123notary – http://blog.123notary.com/?p=20648

COMPREHENSIVE GUIDES
12 questions to ask for hospital notarizations – http://blog.123notary.com/?p=20519
How to make more as a signing agent – http://blog.123notary.com/?p=20418
Notary Public general info – http://blog.123notary.com/?p=20075
How to negotiate signing fees like a pro! – http://blog.123notary.com/?p=19198
When to refuse a notarization – a comprehensive guide – http://blog.123notary.com/?p=18974
10 things a notary can do to screw up a notarization – http://blog.123notary.com/?p=18864
A comprehensive guide to notary organizations – http://blog.123notary.com/?p=17088
A comprehensive guide to notary pricing – http://blog.123notary.com/?p=16504
123notary’s comprehensive guide to getting reviews – http://blog.123notary.com/?p=16290
Everything you need to know about writing a great notes section – http://blog.123notary.com/?p=16074
10 tight points on loose certificates – http://blog.123notary.com/?p=15449
Notary journals from A to Z – http://blog.123notary.com/?p=8348
Notary Seal information from A to Z – http://blog.123notary.com/?p=8337
Signing Agent best practice 63 points – http://blog.123notary.com/?p=4315
Borrower Etiquette from A to Z – http://blog.123notary.com/?p=2995
Backdating from A to Z – http://blog.123notary.com/?p=2424
Mobile Offices from A to Z – http://blog.123notary.com/?p=535

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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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5 books every notary should own and read
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October 24, 2017

More Notary Questions from Ken

Filed under: Ken Edelstein,Popular on Linked In — admin @ 12:36 am

You realize at the shipping depot that you forgot to double check the loan package. Upon inspection you notice that the borrower did not initial the signed signature page of the Note.

1. You make a copy of the page, email it to the borrower, requesting they initial it and FAX it to your employer, then you ship.
2. Knowing you will miss the drop off, you return to the borrower for the missing initials, and ship the next day, happy that the package is now complete.
3. Initials are not required on signed pages, so you ship with a post-it at the top of the package noting the missing initials.
4. You add the missing initials with a different color pen so they will know it was a notary correction then ship.

You are in Kansas and the property is in Montana. You have been directed to make no changes whatsoever to the docs. How do you notarize the Mortgage (State of Montana. County of Snow).

1. Leave the Venue as is, following directions to the letter, notarize directly on the Mortgage without any changes
2. Change the Venue to where the notarization takes place, crossing out the values and initialing the changes
3. Attach a new notarization to the Mortgage, ignoring the notary section that was preprinted.
4. Call the Title Company and do whatever they tell you to do.

The airbill appears fuzzy, you only have access to a dropbox, you were directed to make sure it is shipped same day.
1. It’s their airbill, use it and drop in the box.
2. Nobody answers (Signing Service, Title Co., etc.) so leave message and hold for instructions
3. Scan and email entire package to every email address involved and wait for instructions
4. Leave messages, scan & email & ship

Loan Officer sends you an email authorizing backdating the notarization to yesterday to preserve the borrower rate lock
1. Accommodate the request as you have proof that it was authorized
2. Ignore the backdate request and proceed using today’s date
3. Return (dump) the job
4. Let the borrower choose what date is to be used

Borrower signed in your place in the notary section
1. Start over using the appropriate page from the borrower copy
2. Strike and initial the error (notary & borrower initial) and sign nearby
3. Reversals are acceptable, you sign where the borrower normally signs
4. Strike and initial the error (only notary initials the strike) and sign nearby

You are 5 miles from borrower and freezing rain starts to accumulate; you gave your assurance this would be completed on time
1. You proceed to the borrower driving slowly and carefully
2. You call everyone to tell them you are dumping the job and heading home
3. Drive normally to borrower so you will not be late
4. You call borrower and tell them to meet by your house

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January 13, 2017

The Notary Train

Filed under: Humorous Posts — admin @ 12:44 am

Welcome aboard the Notary (choo-choo) Train.
Today is going to be a busy day. We are traveling from Fort Stockton, TX to Tuc (choo-choo) son today. I wish you all a very nice trip. And since this is The Notary Train, if you need anything Notarized, you are in luck. We have in-house or in-train Notaries commissioned in Texas, New Mexico and Arizona just waiting to (choo-choo) help you.

10pm

ATTENDANT: Welcome aboard. May I see some ID please?

RALPH: Here it is. It is an official TX Driver License.

ATTENDANT: I’ll need a blood sample too.

RALPH: I thought you’d never ask. But, I don’t give that out to strangers. But, how about a thumb print?

ATTENDANT: A right thumbprint will do. I was just kidding about the blood samples. After all, a simple retinal scan would be just as good.

12:10am

RALPH: Hi, I need this document signed. And can you backdate?

TX NOTARY: Umm, isn’t that illegal?

RALPH: Never mind. I’ll ask the other Notary. HEY, I need this document Notarized.

NOTARY #2: When do you need it done?

RALPH: Yesterday!

NOTARY #2: No problem, we are about to cross through a time-zone change on our way to El Paso. Once we have passed it, it will be yesterday.

RALPH: So, you can backdate?

NOTARY #2: I won’t have to. In the mean time, let’s get some Notary snacks at the snack bar. How about a crepe with chocolate sauce that is dispensed from a leaky Notary Seal?

RALPH: Cool. Can I get bananas too?

NOTARY #2: Yes, but you cannot emboss them.

RALPH: Oh, too bad. So, who pours the tea around here?

NOTARY #2: Oh, we have an official TEA agent do that along with transporting blood samples.

RALPH: I love this train. I love it even more when you take a plane ride and arrive at your destination before you left your departure point. That’s a real brain teaser.

TEA AGENT: Can I offer you some tea, or a blood sample?

RALPH: Oh no, I stopped being a vampire years ago.

TEA AGENT: I didn’t, now you know why I love my job so much!

SALLY: Why is this train taking so long? I hope we get to Tucson before my commission expires.

TEA AGENT: Your commission never expires on The Notary Train baby! It’s good for life! By the way, you have a pretty neck.

SALLY: What kind of a psycho are you? Oh getting a phone call.

CALLER: I am trying to track down a particular Notary who did a signing for me in 1968.

SALLY: Well, on The Notary Train, we have lots of tracks if you want to do some tracking. But, you might have to call the Secretary of State. Good luck!

RALPH: I just love The Notary Train. It’s the only Notarial entity that is commissioned in one county and expires in an entirely different one. That’s a great concept — almost as good as reverse time travel.

NOTARY #2: Okay Ralph. Time to do your notarization without backdating. It’s 11:30pm Mountain Time on the 3rd now. Whip out those documents! It’s party time!

RALPH: Okay, let’s do the deed — I mean sign the deed. By the way, why is that guy staring at my neck still?

.

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Notary space station: In space, nobody can hear you sign!
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