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December 28, 2019

Alzheimer’s signings — how to determine whether to carry through or not?

Filed under: Hospital & Jail Signings — admin @ 11:07 pm

Let’s say you are at a hospital for a POA signing or Medical Directive signing. Let’s say that the signer has been officially diagnosed with Alzheimer’s disease. Do you notarize or not? If you notarize, and the signing comes back to haunt you in court, the small fee you made will not be worth any significant risk of court time. However, if you can get the signer to describe the document, why they are signing it, who they are, who their relatives are, and who the president of the United States is, they are probably competent enough to sign.

Now, let’s say that a medical professional at the hospital advises you not to notarize for the patient due to this mental disease. The fact is that you are the Notary, and only you can decide the fate of the notarization. The main thing is to consider the risks, and how you can go about proving competency in a prudent way.

I would continue writing about this article, but I forgot what the topic was. Hmm.

You might also like:

12 questions to ask for hospital notarizations
http://blog.123notary.com/?p=20519

A tale of four notaries at hospitals
http://blog.123notary.com/?p=463

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February 12, 2011

Two and a half notaries: Detering notary fraud

CHARLIE: You know something Jake, notary fraud is a huge problem affecting the quality of life in America

JAKE: Whoa, you make it sound so serious, like the world is going to come to an end.

ALAN: You know Jake, notary fraud is something you should take seriously. I have stories about it that would shock you.

JAKE: Like, okay… I don’t even know what a notary is…

CHARLIE: Remember Shelley? She was a notary!

JAKE: So?

ALAN: A notary public is a very sacred and meaningful profession. They are people of integrity who make sure that a document was signed by the person who was supposed to sign the document.

JAKE: Oh, I get it. So, if Valerie wanted to get permission from her doctor to cut class because she was sick, and she forged her doctor’s signature, a notary wouldn’t let her get notarized with the forged signature.

CHARLIE: You hit the nail on the head. Is this kid taking smart pills all of a sudden. He’s never been so lucid as long as I’ve known him.

ALAN: I have no idea. This is a first for me too.

JAKE: Well, maybe I’ve thought about the concept of notarization in depth over the years, even though I didn’t know exactly what a notary was. After all, if Valerie is going to cut school to hang out with me at the mall all day long, I need to have a fool-proof strategy.

CHARLIE: I’m beginning to see where the motivation for Jake’s new-found high aptitude is coming from.

JAKE: Which brings me to my next thought which is, how do you fake a notary seal on a letter from a doctor to give you permission to fake school?

ALAN: Now, that is just wrong!

CHARLIE: Remember that fishing trip we were going to go on. And you could only take time off work on a Thursday?

ALAN: Well, yeah.

CHARLIE: And remember, how the only way that all three of us could all go together was if Jake could also take time off school on Thursday without getting into trouble?

ALAN: So, where are you going with this?

CHARLIE: Don’t you see? If we can get a fake notary to notarize a doctor’s signature, Jake can take the day off, and we can go to Lopez Lake up in Santa Barbara County!

ALAN: I’m not sure I’m comfortable with this.

JAKE: Count me in!

CHARLIE: Monica said she would meet up with us there.

ALAN: Say no more!

CHARLIE: All we need to do is to take a refresher course on the difference between a genuine and a fraudulent notary seal’s impression.

JAKE: What’s genuine?

ALAN: Oh, thank God he’s back to his old self again!

CHARLIE: Now, look at all of these notary seals. Can you tell which ones are authentic?

JAKE: Hmmm. I’ve never done this before, but, I’ve done something similar… (muttering under his breath) on the beach yesterday.

(looking at the notary seal impressions in a book)

CHARLIE: How about this one?

JAKE: Real… Fake… Fake… Real… Those are so fake… Wow, look at the size of those! I didn’t know it was possible for a notary seal to be so big. What about these ones?

CHARLIE: I can’t tell if these ones are real or fake, but all I have to say is, they should be illegal!

ALAN: What about this one. It looks so smudgy.

CHARLIE: That one’s real. It’s just that the notary who used it didn’t know what he was doing.

ALAN: There’s nothing worse than a notary who doesn’t know how to handle his seal.

JAKE: Can a notary seals be round?

CHARLIE: I’m glad you asked. A notary embosser, is round, and leaves a raised impression.

JAKE: You mean like it’s three dimensional?

CHARLIE: That’s exactly what I mean.

JAKE: Cool.

CHARLIE: I knew you’d like it. Check this out. This is an embosser!

ALAN: Where did you get that?

CHARLIE: Never mind where, or how. This is our ticket to fishing on the lake!

Scene 2. County jail

JAKE: I guess our plan didn’t work too well.

CHARLIE: Tell me about it. They might let me out for good behavior if Sylvester will take his arm off of me: (To Sylvester:) And NO, I am not your girlfriend — get the thought out of your head.

ALAN: Well, we might as well go to the lake, just Jake and I. There is nothing else to do. We’ll bring back some pictures for you to see when we’re back.

CHARLIE: (muttering with his hand over his face) That’s exactly what I need.

JAKE: I have an idea. Maybe if we get a notarized letter, we can get you out of here.

CHARLIE: I don’t think that is a very good idea, especially not at this point. And besides, my embosser is not part of exhibit A

BERTA: I can get you out of here. I’ll just sweet talk the guards.

CHARLIE: Never mind the guards, I’m more worried about the judge

SYLVESTER: Are you worried about me? I’ll miss you so much once they let you out.

CHARLIE: Oh my God.

BERTA: Good news, they’re letting you out!

ALAN: They are? They are!!!

CHARLIE: Why? What did I do. What changed?

JAKE: The principal of my school just called and dropped the charges. Since no malicious harm was meant, they decided to just let you out on a warning. But, they warn that impersonating a notary seal, or a notary is a Felony and can result in jail time.

CHARLIE: Oh boy, no more house in Malibu. I guess I got lucky this time.

SYLVESTER: But, I sure didn’t. Will you think of me when you’re back in your cushy house on the beach?

CHARLIE: You can bet I will. (shaking his head and rolling his eyes)

.

You might also like:

Notary Oscars
http://blog.123notary.com/?p=16540

Two and a Half Notaries — learning the ropes
http://blog.123notary.com/?p=13707

Two and a Half Notaries — imparied judgement
http://blog.123notary.com/?p=13207

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January 4, 2020

10 reasons to get 123notary certified

Filed under: Certification & Communication Skills — admin @ 7:02 am

Back in 2004 to 2012, many people wanted to get 123notary certified and studied hard to get this designation. In the last few years, we retested our certified members and found that the overall skill level of people on our site had declined a lot and that most people were not willing to study. This is a huge mistake. Title and signing companies care about experience above any other qualification. However, they still reward people for knowledge and the clicks and jobs dispatched prove my point. If you want to have an edge over the other Notaries, 123notary certification is one of the most effective investments of your time — the other two being reviews, a stellar notes section and accumulating mass amounts of experience the old fashioned way. Below are some significant benefits for 123notary.com certification.

1. Get more clicks (but, not on route 66)
123notary certification currently gets Notaries an average of about 30% more clicks to their listing. It is one major factor of several that determines whether or not your listing will even get looked at. More clicks typically translates into more jobs, however, this relationship is not directly proportional. 30% more clicks in real life would translate into 40-50% more jobs. Many people will click once on your listing during a query. But, if they give you extra clicks, that means they are strongly considering hiring you which is why the click to job ration is disproportional and in your favor.

2. Get more jobs from Title
One Notary wrote to me after he failed his certification retest audit. He said that calls from title dropped altogether the minute I took his certification icon away from him. This is not true for all Notaries, but was his case which is why he studied many hours to pass the scrutiny of my questioning. People who work for title want solid Notaries, and they look at a number of factors including certification — and for God’s sake, please don’t have any spelling mistakes in your notes section on your listing or you can expect your phone to be dead.

3. Feel more confident about yourself
Many Notaries who master our materials like the fact that they know what they are doing. At the risk of sounding more like a deodorent commercial — many signing agents have told me that the feel happier and more confident talking to title and going to signings. Yes, they spend many grueling hours studying for our test, but they feel it was worth it and I respect their diligence.

4. Be one step closer to elite certification
You cannot just become elite certified at 123notary. You need to have a solid understanding of Notary procedure and vocabulary as well as a 123notary basic certification. Certification brings you one step closer to being ready to study for the elite test which is very different material and much more obscure.

5. 123notary certification is sought after by particular companies
I have gotten correspondence from Notaries who claim that 123notary certification is informally recognized by 1st American Title among others.

6. You will be a safer Notary
Many Notaries put themselves at legal risk because they do not know the legal significance of how they handle situations. Not keeping your journal correctly could end you up in trouble with the FBI or a Judge in court. Not keeping thumbprints could get you named as a suspect in an investigation as it looks like a cover up. Doing cross-outs when it is not necessary can get you in trouble with certain county recorders or Lenders. Knowing what you can do, and knowing what you can do that is prudent are two different questions. Learn how to please your client without creating liability for yourself by mastering our Notary materials. We have written blog articles where Notaries have gotten into legal trouble and had to pay up to $20,000 to defend themselves when they were innocent. Imagine how much easier it would be if you kept proper records and acted prudently at all steps along the way.

7. Multiple certifications make you look serious
As someone who deals with Notaries all day long, I can attest to the fact that I have a higher level of respect for Notaries who have three or more certifications. Those who just get the NNA certification and say, “That is all I need.” seem like underachievers to me. I have a higher opinion of those who took notary2pro, NNA, and 123notary certification, or Loan Signing System. When I was a Notary I got certified by five organizations to give you an example of someone who takes this business seriously.

8. Make $8 more per signing.
We did a poll many years ago and learned that our 123notary certified members average income made per signing (according to their claims after a mass email was sent asking them how much their average signing netted) was $8 higher than people not certified by 123notary. Elite members made $14 more per signing. Making more income per signing means that after expenses, you will be making a lot more per year. The extra income could add up to $5000 to $10000 extra per year for a busy Notary which might be $200,000 in their lifetime. It only takes ten hours to do a good job studying for our test. Is your ten hours worth $200,000? That’s $20,000 per hour. What else can you do that is worth that much even if you do brain surgery (or are a hitman) on the side?

9. Get perks from 123notary!
If we notice you are 123notary certified, you would be more likely to get opportunities for free or paid upgrades that the others might be overlooked for. Stop being overlooked and get certified today! If you are late paying your bill, we might give you a little longer grace period. And in general we will value you more because you represent knowledge, quality, and come across as being a serious Notary. Over all you will get better treatment from 123notary if you pass our test.

10. Be more fluent explaining things to borrowers
In real life there are certain things you can and should explain to the borrowers while there are others that you should refer them to a professional about. If you pass our test you will know where to find the prepayment penalty, how to explain the APR, what is on the HUD or CD, and when their first payment is due. You will have this information memorized. You will know that a signer can legally presign an Acknowledgment (in most states) whether the Lender “prefers” that or not and how to administer an Oath without falling on your face. You will be more professional and smooth in all of your transactions.

SUMMARY
Certification will help you get more clicks, get more work, make more per signing, be smarter, feel better, be a smoother Notary, and get on the good side of 123notary. It only costs a few hours of study and a small fee, so the only thing holding you back is lethargy. Get off your assets and get 123notary certified today!

You might also like:

Compilation of posts about certification & elite certification
http://blog.123notary.com/?p=16264

123notary’s comprehensive guide to getting reviews
http://blog.123notary.com/?p=16290

How to write a notes section if you are a beginner
http://blog.123notary.com/?p=16698

Unique phrases from the Ninja course
http://blog.123notary.com/?p=14690

The lady who studied 30 hours for her elite test
http://blog.123notary.com/?p=21238

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January 1, 2020

Robbing the dead — Notary style

Filed under: Drama & Tragedy — admin @ 11:06 pm

Yes, it is a common crime in Philadelphia as I am reading. People falsify deeds, and rob the dead of their property. This requires the use of a Notary or fake Notary or falsified Notary seals.

https://www.inquirer.com/news/house-theft-deeds-fraud-forgery-philadelphia-20190603.html

A new local law requiring photos of ID’s being used seems like a prudent step. Another tell-tale sign is a long gap between the signing of a document and its recording. Notaries are also checked by phone to make sure particular transactions are legitimate. Taking thumbprints of sellers has been proposed in Philadelphia, but not implemented yet. It is hard to forge a thumbprint and that seems like a very sensible fraud deterrent to me. There are other ways to regulate fraud, but those are a few main ones. Read the article for more information.

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Can a notary go to jail for notary fraud?
http://blog.123notary.com/?p=21353

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

The curse of the notary mummy
blog.123notary.com/?p=19918

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December 25, 2019

An alleged Notary forges a signature in Hawaii

An alleged Notary forged Puana’s name. Puana, a Hawaii resident and Notary, as relative of the victem named Kealoha was investigated by forensic experts to determine who signed the name. An alleged Alison Lee Wong was determined to have forged the signature, however, it was later found that there is no such person.

A person named Kealoha who was a former deputy prosecutor stated that her mailbox had been stolen, and that was the damage of this forgery case according to the news article that I am linking to below.

https://www.hawaiitribune-herald.com/2019/06/08/hawaii-news/kealoha-corruption-trial-focuses-on-alleged-fake-notary/

This is a very odd and convoluted story. I hope you enjoy the link and can figure this one out! Aloha!

You might also like:

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

I was forged (Ken’s experience)
http://blog.123notary.com/?p=13659

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December 16, 2019

Keep your eyes on what is Important

Filed under: Ken Edelstein — admin @ 8:34 am

Keep your eyes on what is Important
I was a student pilot flying a little Cessna 150 single engine plane. My instructor believed in making me ready for any situation, As I approached Kobelt airport in upstate New York (a very short runway – under 3000 feet) was before me. I had landed there a few times and knew that a perfect approach, airspeed and elevation was essential; lest I have to call a “missed approach” apply full power and go around to try the approach again.

I spotted something in the middle of the runway – during a rather good approach. I could not make out what it was! My eyes fixed on it for about 2 seconds trying to determine what the obstruction was. Thankfully, I took a look at the bigger picture and noticed that a slight crosswind was directing the plane toward a rather large tree! Flaps up, full power, slightly lift the “nose” – over the trees I went, just above stall speed! The object was my instructor, teaching me to look where I was going….

I doubt you notarize for the fun of it. You want to earn money, the more the better. However just earning money can be somewhat pointless without there being Profit. Some might object to my use of the “P” word – but, even if I offend some – it’s central to this article; and I will use it.

Profit is the money left over after the costs of doing business are deducted from revenue. Many are the callers I speak to that offer revenue, but not profit. A 50 dollar edoc that takes an hour plus each way is a rejected offer – there is revenue; but no profit. We all know the components that go into our costs; no need for me to again enumerate them here. However, some will take any assignment hoping to “show their mettle” – with a higher rate on subsequent jobs. That has never worked – “they” remember the least you would accept and will offer not a penny more.

Keep your eyes on what is Important – Profit. Sure it’s virtually impossible to account for the= share of “overhead” expenses on a per job basis. However, it’s pretty easy to “feel” if you are at least earning what you feel you are worth. Some with a high degree of skill probably will want a higher rate per hour compared to those just starting out. But, for the vast majority of us we desire to earn, what’s the popular amount now? Hmmmm, are your efforts earning 15$ an hour?

Of course that 15$ amount is very low; but some take the bait and make less; how is that possible? Well, with eyes on the important, let us take two views. You decline the lowball and they say “there are lots of notaries who will take what we are offering” – that’s unfortunately true. But so is the flip side, there are lots of firms that are willing to offer more. Stand fast, don’t break ranks to the bottom fisher. Many posts here and on other sites tell you how to make the two most important actions. First, learn a lot about what you are authorized to do. Secondly, make yourself known widely; sure some will be lowballers – you just decline, best done with an “unsubscribe” one word reply.

As my little plane approached the trees I had a decision to make; with very little time to make it. I could have adjusted course and “attempted” to pull off a landing; but I knew my skills were not up to that level of flying. I chose to abort the missed approach – and lived to try again. But, it was a lesson well learned. When landing a plane look where the plane is going. When being a notary look at the “bottom line” and keep aware: will you profit properly or lose by accepting?

You might also like:

Dress Brittish, Think Yiddish
http://blog.123notary.com/?p=8643

Ken’s take on how to be a bad boy/girl Notary
http://blog.123notary.com/?p=22374

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December 3, 2019

California eNotary

Filed under: California_Notary — admin @ 6:02 am

There is a lot of talk about eNotarizations, especially in California. However, it is not currently legal for a Notary in California to do online notarizations. However electronic notarizations using a signature pad face to face with the signer are legal.

I heard from Carmen that California does not want to legalize online notarizations as there is too much of a risk of fraud. I am not sure how to verify this claim, but it makes sense as California has some of the highest notary standards for fraud deterance.

Read More.
https://www.sos.ca.gov/notary/customer-alerts/

You might also like:

eNotary and electric notarizations
http://blog.123notary.com/?p=21344

Why you shouldn’t use an online notary
http://blog.123notary.com/?p=22090

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November 30, 2019

What do people like about being a mobile notary?

Filed under: General Articles — admin @ 5:59 am

There are many reasons why someone would become a mobile notary. There are also other reasons why a person might continue to be a mobile notary. Here are a few.

1. Work your own hours
Are you tired of the 9-5 hussle and hassle? Working your own hours is great. You can also do other gigs between notary jobs, or take other gigs when there normally aren’t any notary jobs. You can also work a part time or full time job and keep doing signings.

2. Drive
Some people were born to be on the road (again). If you love to drive, being a mobile notary will keep you busy. You can work on the road, eat on the road, and just remember not to sleep on the road as that might be dangerous.

3. Meet new people and then notarize them
It is like being in the armed forces. Go to foreign countries, meet new people and then kill them. Instead of killing them, you notarize them — it’s the next best thing — trust me. You will meet people from all walks of life. You will know every end of the spectrum of middle class (boring) as well. Just like a snobby British upper class lady once said, “A marriage made in middle-class — how pedantic.” And then the sarcastic New Yorker said, “She could have done worse.” So take your pick. You can also meet criminals, kidnappers, arsonists, frauds, strippers, porn actresses and more. But, for the most part you will meet very “pedestrian” middle-class Americans who are so boring that you should have a cup of Joe before the signing to ensure you don’t fall asleep. On the other hand if boring is your thing — you will meet the right demographic. On a brighter note, if you live near a fun town like Santa Monica or Hollywood, you might meet more fun people.

4. Deter fraud
It brings meaning to my life to be part of reducing the amount of fraud in this world. Fraud creates uncertainty and suffering and the angels would prefer that we keep our world clean and orderly and that is why I believe they chose me to run this directory as I try to keep things ship shape. Notaries who are thorough make it very hard for frauds to get away with anything. Using that raised seal embosser on every page of every document you notarize, checking ID’s carefully and thumb printing makes it hard to do anything suspicious.

5. Reading our blog
Some Notaries like being a notary just so they have a legitimate excuse to read our zany blog. Yes, the comedy articles on the blog make the whole nightmare of being a mobile notary all worth it in the end. Laugh your way to success.

6. Money
Believe it or not, some people make good money in this profession, or at least used to. And others make a good supplement to their income too. If you are efficient allocating your time, you can make good money at least on an hourly basis. You should see what Carmen rakes in for very quick jobs taking less than an hour from door to door.

7. Retirement
Being a mobile notary is a great way to spend your retirement. It is hard to work full-time as an elderly person, but as a notary you can work as much as you feel up to it.

8. A good job after you have been in Mortgage
If you were in Mortgage for years, being a mobile notary is a natural continuation as your knowledge will carry over to a particular extent as a notary.

9. Stamping
Some people find it theraputic to stamp things, and as a notary, that is what you do every day. It might make you feel official.

10. Reading up on legal aspects
Being a Notary means you have to read up on the legal aspect of being a Notary Public. You need to know all of the identification procedures and all of the various notary acts. There is a lot to know and many people enjoy learning the legal distinctions. And then there are others who are so afraid to commit UPL that they fail to learn Notary law themselves and end up committing crimes out of ignorance on a daily basis. You might like giving Oaths too — I swear! Hmmm.

So that concludes my little article on why you might like being a mobile notary. I hope that you all now see the positives in your career and don’t regret being in this profession.

You might also like:

Certain things you don’t learn from experience
http://blog.123notary.com/?p=22572

Is prioritizing a skill a notary should have?
http://blog.123notary.com/?p=22291

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

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October 13, 2019

Seven Tips for Choosing a Lawyer in a Personal Injury Case

Filed under: Other Guest Bloggers — admin @ 10:43 am

Seven Tips for Choosing a Lawyer in a Personal Injury Case
When choosing a personal injury lawyer for your case, there are many things that you need to take into consideration. If you have been injured and want the compensation that you are entitled to, you need to find a lawyer that knows exactly how to win your case and has experience in similar cases. Here are seven tips for choosing a lawyer for your personal injury case.

Location
Before you focus on anything else, you need to make sure that the lawyer you want can practice within your area. For those who live in Pennsylvania, you need to find a trustworthy Lehigh Valley personal injury lawyer such as those who work at Trapani Law Firm.

Track History
If you want to know the likelihood of a lawyer winning your case, you need to check their track history and see how many cases they have won, as well as what these cases entailed. Finding a personal injury lawyer who wins the cases they take on is essential, but you should also be aware that some lawyers only decide to take on the cases they know they will win, meaning this is just one thing that you need to consider.

Relevant Experience
Experience provides you with a sense of stability and allows clients to check the track history and understand more about how a lawyer works. While all lawyers need to start somewhere, when dealing with a personal injury case it is best to stick to a lawyer with relevant experience.

Disciplinary Record
A disciplinary record is essentially what it says on the tin. This record can inform you of any complaints that the lawyer may have received and can also provide information such as if the lawyer has ever been disbarred or suspended. If you have already met with the lawyer and they are ticking the right boxes, it may be worth discussing with them what happened with a complaint they received and how they dealt with it. Unfortunately, clients can sometimes file a complaint even when the lawyer has done everything within their power to assist them, so it is best to determine the root cause of the complaint before ruling a lawyer out completely. You can find information regarding a disciplinary record about any lawyer online.

Practice Years
Those who have been in the profession for a long time will have great experience and will understand a personal injury case better than anyone. If your case is especially complex, finding a lawyer with many years of experience is even more important to enable you to win your case and gain the compensation that you deserve.

Reputation
Finding a personal injury lawyer with a good reputation means that you are more likely to trust them with your case. You can check reviews on most law firm websites and you may also be able to find reviews online. A personal injury lawyer who has a good reputation within the state may be able to get your case solved more quickly as they are known throughout the courts. Finding positive reviews from previous clients can enable you to feel more at ease as it can be hard to judge someone on a first meeting. You may also want to ask the personal injury lawyer upon your first meeting if they have any client testimonials for you to read through.

Focus
Personal injury cases are all unique, and so you may want to find a lawyer that has a special focus on your personal injury case. It may be that you were involved in a slip and fall accident and so finding a lawyer that has focused on similar cases is ideal. You can usually find this out on their website or by speaking to the lawyer directly.

Following these seven tips you can find a personal injury lawyer that is perfect for your needs and your case.

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October 1, 2019

Getting paid – a comprehensive timeline

Filed under: Marketing Articles — admin @ 11:17 pm

Many Notaries have a problem getting paid. It’s not you — it’s the industry. But, by using good principles, you can avoid most of the drama. Here are some guidelines to help you through every step of the process.

BEFORE THE SIGNING
When you get that call from a particular company, you need to either have records on each company out there, or be able to look them up. That means you either need online records on a cloud, or accessible from your iPhone, or have a cheat sheet in your glove compartment with up to date records on all signing companies. You need to keep track of:

1. How many jobs have they given you
2. Payment record — average # of days to pay
3. How much outstanding
4. Are they pleasant to work for
5. Cancellation rate.
6. What is their track record on the forums and 123notary’s list of signing companies.

If company cancels too much, you should up their rate or make them pay a cancellation fee or nonrefundable deposit up front, otherwise you will be left holding the bag (and the freshly printed documents.) If a company owes you more than a few hundred, you should deny service until they pay up. If a company has no track record with you, please consider asking them to pay up front via Paypal. If you are a newer signing agent and desperate to get experience, you should be more flexible and take more risks so you get experience. People who use 123notary reward Notaries for having a lot of experience.

You can check new companies on your iPhone while on the road to see how they do on the various forums and 123notary’s list of signing companies with reviews. If a company has a bad track record of payment, you should charge up front or you will likely get stiffed. Some of these companies have no remorse.

CONFIRMING THE SIGNING
Confirming the signing using our tips in the real life scenarios section of Notary Public 101 will not help you get paid, but will help you reduce the amount of signings that end in mid-air. If the signer doesn’t have ID with matching names, or if the other signers aren’t going to be there, or if they don’t have that cashier’s check they need — you are better off not going to their house as it will be a waste of time. Signings that end in “no signs” often do not get paid, so by avoiding this type of scenario, you will have less unpaid jobs as a total percentage.

AT THE SIGNING — MISTAKES
Most Notaries brag about how they have a 99.9% accuracy rate. The truth is that most Notaries make mistakes from time to time, and sometimes FedEx or the Lender screws up too resulting in a second trip. In my experience it is very hard to get paid for a second trip. Companies will often offer to pay, and then not pay you. So, triple checking your work and getting packages to FedEx fast will help reduce your rate of non-paying jobs and also help you from getting fired as much.

AFTER THE SIGNING — FAX
After you are done with your signing, fax a bill and include all pertinent information such as the borrower’s name, property address, loan number, and whatever else the signing or title company wants. Send a bill every week by fax or email or whatever medium your company wants. Also, keep records of every signing company you work for, and all of the jobs they assigned to you. When they pay you, you can indicate the date when they paid you to the right of the job description, borrower name, property address on your records. Your records can be paper or online. It is very fast to do this by paper by the way and less chance of data loss unless you keep the paper in your car.

EVERY MONTH — RECORDS
Every month or so, update your records that you keep in your car. Keep records on each signing company. Track how many jobs they gave you, how fast they pay, what they still owe you, how much you like them. You can assign them a grade too. You can have a customized pricing strategy for each company depending on their track record. You can give lower prices for companies you like. I would base prices on estimated time spent and NOT a fixed price. You could have a — near, medium and far price, or a price that is more intricate depending on number of pages, number of signers, distance, time of day, etc. That is up to you. But, having an intricate pricing strategy will make your life a little more complicated, but will weed out the more difficult companies, or at least make them pay for grief they cause you. Otherwise, those companies will think they can get away with causing Notaries endless headaches. You could keep two sets of these records and update them monthly. One at home and one in the car. If someone offers you a job, don’t quote a price until you look at your records and see if they are on the “A” list.

30 DAYS
If a company is past 30 days, time to consider sending them a demand letter. Or you could wait until the 45 day mark depending on how tough you are. We have a demand letter (from hell) template on our resources page. People have had consistently excellent luck with it, and it was given to us by our very most seasoned Notaries on the site.

45-60 DAYS
If anyone gets to this point, definitely send them a demand letter, but consider hiring an Attorney to write a letter threatening them. There are Attorneys who will write a letter for about $30 using their legal assistants. If a company owe you $300 or more, it might be worth it to write a letter. You can also charge for damages which include your time lost and legal fees.

CONTRACTS
We wrote another article on contracts. Signing companies have contracts to protect their interests. Their contract defends what is convenient and good for the signing company but not what is good for the Notary. You can have your own contract too and make people sign it if they want your services. If you are inexperienced, many companies might not sign it. But, if they need you and you have experience, they just might. You can state terms about partial signings, no shows, cancelled jobs, printing fees, resigns, and whatever else you want. Try to be reasonable in your terms if you expect anyone to sign it and continue using your services.

CREDIT
Try to determine before hand how much credit to offer to particular companies. This needs to be customized. Companies with a bad track record should not get any credit and must pay up front. Companies that have been solid towards you for years might get $400. But, don’t offer more than that because good companies turn bad all the time the minute they run into credit problems. Each company you work for should have a credit rating with you and an individual amount of credit you will offer them. When they offer you a job, see how much they are in debt to you already before saying yes, otherwise — it’s Paypal — or no job!

Trouble getting paid?
http://blog.123notary.com/?p=15339

Tips for getting paid
http://blog.123notary.com/?p=19794

Scary results when someone uses our demand letter from hell
http://blog.123notary.com/?p=2006

Template for our famous demand letter
http://www.123notary.com/howto-get-paid-signing-agent.htm

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