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September 6, 2018

UPL — Unauthorized Practice of Law in the Notary Profession

Filed under: Technical & Legal — Tags: , , , , — admin @ 11:48 am

Unauthorized practice of law… what does this phrase really mean? The sad truth is that this concept is widely misunderstood, and differs from state to state. The definition of UPL (not UPS) is generally arbitrary and is often set by bar associations set on protecting the financial interests of their Attorneys who don’t want any unnecessary competition in the legal services field. So, one could say that Attorneys as a group are engaged in a form of corruption and using the law to enforce standards that serve no purpose other than to eliminate competition (sounds like the mafia). Instead of burying you in cement, a bar association can investigate a person suspected of UPL, and sue them or perhaps fine them for huge mounts of money leaving the Notary essentially financially broken.

Case Study
One of the Notaries listed on our site lost or almost lost (forgot the story as it was from a decade or more ago) $40,000 for doing a loan signing in a state where Notaries are not allowed to do such things.

Attorney States
In certain states that we refer to as Attorney States, only Attorneys are allowed to do loan signings. The premise is that by engaging in the facilitation of a loan signing, that you are making an unstated assertion that you have the same knowledge as a Mortgage Broker, Lender or Attorney and that you can explain the documents. This is simply not true. When a Notary goes to a loan signing, some Notaries do not explain any terms or documents while some do. In my opinion you should catch a Notary in the act explaining a legal term and then bust them. But, merely by facilitating the signing a loan in an Attorney state, a Notary can get busted.

States where Notaries are not supposed to facilitate the signing of loans include Georgia, South Carolina, Massachusetts and perhaps others. This information could be outdated and the interpretation of the rules is far beyond my capacity. However, many Notaries in all of these states advertise on 123notary claiming that they do signings. However, I have heard that they typically don’t do signings for properties that are in their state, but only for out of state properties. I have heard that this is still illegal, but I guess people are not getting caught. My word of advice is to consult an Attorney before doing something that could get you in trouble.

Notary unauthorized practice of law
As a general rule, drafting a legal document, giving legal advice, giving advice about a court case, giving advice about how to draft a legal document, or helping to interpret a legal document might be construed as unauthorized practice of law. However, I am not an Attorney and cannot say with any certainty or authority what constitutes UPL in any state. I am just relaying to you what I have read over the years. Additionally, explaining the terms of a loan or what certain mortgage terms mean might be considered UPL as well – once again, I am not sure, but you can ask an Attorney if you really want a definitive answer.

Choosing the Notary Act
As a Notary Public, it is the choice of the client or signer which type of Notary act they want. The Notary has the right to explain the various Notary acts to them and the rules that apply, but the Notary cannot choose for them. Under many circumstances there might only be one particular Notary act that the Notary would legally be able to perform. In such a case, the Notary should explain the circumstances, how to change the circumstances and ask if the signer wants to proceed as is.

It is common for Notaries while administering Jurats to automatically perform an Affirmation because they are afraid to offend people by administering an Oath. First of all the Notary is required to give the signer a choice as to which Notary act they want to have performed. Second, many people might be offended by Affirmations more than by Oaths. However, I can state with definitiveness that dogs prefer Affirmations.

Drawing in a Signature Line
It used to be common in loan signings for a document to have no signature line, yet have an instruction that it must be notarized. You cannot notarize a document without a signature, and how can you sign without a signature line? If the borrower draws in the line, that is their business, but if the Notary does it, are they practicing law?

Oregon Standards
I have heard that in Oregon, a Notary may not cross anything out on a Notary certificate, nor may they attach a new Notary certificate. But actions would be considered practicing law there as far a I know in my layperson capacity.

Summary
Unauthorized Practice of Law is a crime and is a very wishy-washy state-specific convoluted subject. Please ask an Attorney for a professional opinion on this subject if you are at all concerned.

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You might also like:

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

10 risks to being a Mobile Notary Public
http://blog.123notary.com/?p=19459

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

5 books every notary should own and read
http://blog.123notary.com/?p=3668

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September 2, 2018

Bank of America Power of Attorney Form

Filed under: Power of Attorney — Tags: , , , , — admin @ 9:08 am

Please be informed that banking power of attorneys are complicated and have issues. For an accurate opinion or accurate guidance, you need to consult Bank of America as well as an Attorney.

Attorneys typically can draft up fancy Power of Attorney documents, often at great expense. Their guidance is irreplaceable. However, banks typically have their own Power of Attorney forms and require the use of their forms.

Additionally it is possible that Bank of America might have its own rules for who can be an agent in a Power of Attorney, and also might restrict the rights and privileges of the person who is the Attorney in Fact. I read online that you cannot use online banking if you are an Attorney in Fact for a Bank of America Power of Attorney Form. However, I cannot vouch for the truthfulness of that statement as it might be outdated or false.

Banks will want to see the Power of Attorney and identification before allowing the Attorney in Fact (grantee or agent) the right to access an individual’s account.

How do I get a Bank of America Power of Attorney Form?
Once again, please contact Bank of America customer service.

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Other Links:

Legal Zoom Banking Power of Attorney Information
https://info.legalzoom.com/gain-access-bank-accounts-power-attorney-25538.html

Finding out your Power of Attorney is powerless NY Times
https://www.nytimes.com/2016/05/10/health/finding-out-your-power-of-attorney-is-powerless.html

How do you get a Power of Attorney document?
http://blog.123notary.com/?p=20785

Power of Attorney (string of blog entries)
http://blog.123notary.com/?tag=power-of-attorney

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October 16, 2017

Notary Public 101 — POA, DOR, Dates, X

Filed under: Loan Signing 101,Popular on Facebook (A little),Popular on Linked In,Popular Overall — admin @ 2:30 am

Return to the table of contents for Notary Public 101.

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ADDITIONAL TOPICS

These are really more loan signing topics, but I will include them in this basic Notary course since these are Notarized documents.

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POWER OF ATTORNEY

Notaries need to know the terms for the people involved in a Power of Attorney signing. The principal is the main person who signs the document who is the Grantor. This is the person who gives power of attorney to someone else to do tasks for him/her while he/she is incapacitated or out of the country. The Grantee is the same person as the Attorney in Fact or otherwise known as Agent. It is important to know these words and yes, we do test on them. However, at loan signings, people will do what is called a Power of Attorney signing. This happens when there is a completed Power of Attorney document and the Attorney in Fact will sign a loan on behalf of the principal. In these signings, they get rejected half the time for technicalities, so pay attention.

There are various ways for an Attorney in Fact to sign in their capacity.

John Smith as Attorney in Fact for Mary Smith
Mary Smith by John Smith, her Attorney in Fact.
John Smith POA for Mary Smith

There are more variations, but those are some common ones. The key thing to understand her is that:

The Lender decides the verbiage when you do a POA loan signing. The Notary might know the “correct” verbiage. However, legal information sites cite at least eight ways an AIF could sign in a POA signing that are all not BAD. The signing will be rejected if you do not sign exactly how the lender wants it. So, if there are no written instructions, ask the Lender.

How can I get a Power of Attorney Notarized?

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DEED OF RECONVEYANCE

The Deed of Reconveyance (DOR, not DOA by the way) is often signed by the Trustee and often has the term Trustee inscribed in the signature area instead of someone’s actual name which is very confusing and leads to trouble on a regular basis. Many Notaries have the borrower sign where it says trustee. Usually the trustee is a Lender, or might be the borrower in one of his capacities. If you are not sure who the Trustee is, then ask before you have someone sign there. It is safer to leave this form unsigned than guessing, otherwise you might cause a delay to the Lender and get fired. So, if you are not sure what to do, don’t have anyone sign where it says Trustee.

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DOCUMENT DATES

In the Notary world there are four types of dates. Transaction dates, rescission dates, document dates, and signature dates. The day you sign is the signature date and generally the transaction date. The rescission date is the last day to rescind. But, the document date is arbitrary and is created by the document drafter. It is normally either the day the document was drafted, the date it is intended to be signed, or an arbitrary date. There is no rule for what that date can be.

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SIGNATURE by X

If a signer is partially incapacitated and cannot sign their full name, many states will allow a Signature by X procedure. The procedure can vary state by state, but the way I was trained is as follows. The principal signs an X on the document and in your journal. There should be TWO SUBSCRIBING WITNESSES who witness the person sign. Witness #1 signs the person’s first name to the left of the X and witness #2 signs the person’s middle and last name to the right of the X. Do the same in the journal. Add a note to the document to let the readers and custodian know what happened as they might not be familiar with this procedure. Keep the phone numbers and ID info of the witnesses in your journal just in case.

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October 14, 2017

Notary Public 101 — Journals

Filed under: Comprehensive Guides,Loan Signing 101,Popular on Facebook (A little),Popular Overall — Tags: , , — admin @ 2:02 am

Return to table of contents for Notary Public 101.

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NOTARY JOURNALS

Not all states require keeping an official journal of Notarial acts, but 123notary requires it as that is the only evidence you have should you go to court. There are identity thieves and cons all over the place. They might pretend to be a home owner to steal that person’s equity or con grandma into giving her fortune away to some crooks. If your notarization ever goes to court, your journal is the only record of what happened and who signed what, etc. Most Notaries think keeping a journal is an annoying task that they do because they have to. It is the same attitude that children have towards doing their homework at age seven. But, your journal can save your neck, and I know many whose hides have been saved who ended up in court.

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ONE JOURNAL ENTRY PER PERSON PER DOCUMENT

Most Notaries think that you create one entry for each signer and then cram in the names of all of the documents you are notarizing. This is very sloppy. If you pick up five packages from FedEx, do you sign once or do you sign five times, each for a particular tracking number? If you keep one journal entry per person per document, then you have a signature proving consent to be notarized for each document you notarize. Additionally, you must name the particular and complete name of each document, and not just say “loan docs.”

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INFORMATION

In your journal you write the date, time, type of notary act, name of document (the full name, no abbreviations or check boxes here please) and the document date. You need to record the name, address, and ID of the signer as well. Then the signature, thumbprint and notary fee. Let’s focus on the document information in this section though. You need to record the:

Full name of the document, not an abbreviation.

Document Date — many documents have a document date inscribed within that is an arbitrary date created by the document drafter. It could be the date the document was drafted, or the date it was intended to be signed, or a random arbitrary date.

Other distinguishing factors — if you are signing multiple documents with the same name such as Deeds of Trust, Grant Deeds, etc., you need to differentiate them somehow. Escrow numbers, names of grantors, grantees, APN numbers, property addresses, number of pages, or anything else can help identify a document after the fact in case you end up in court.

Signatures — each line of your journal needs to be signed by the corresponding person. If John and Sally are each signing three notarized documents, then John gets entry 1, 2, and 3 while sally gets 4, 5, and 6. Each signer must sign their three entries otherwise the entries are meaningless.

Thumbprints — I am skipping mentioning more about the other things that belong in a journal as most Notaries get it, however, few Notaries keep thumbprints. Your journal thumbprint is the one piece of evidence the FBI will ask for when they come knocking on your front door. Additionally, it discourages fraud as fraudulent people do not want to be thumbprinted.

Other Information — Although I am skipping elaborating about the other journal fields, I will make a quick note about the additional information section in a journal. That leaves space for information about credible witnesses, subscribing witnesses, unusual facts about the signers, the location, or the circumstances in which you are signing. If the signer claims that they are being kidnapped, write that down in the additional information section of your journal, then call the police. If the signer has a weird neck tattoo, you might need to remember that in court. Put it in your journal. The judge will think you are a very thorough Notary.

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FINAL NOTE

The purpose of journals is not only to please your state’s Secretary of State, but also to please judges and FBI agents. Keeping a clean, correct and thorough journal will make a positive impression on the authorities and could keep you from being named as a suspect if God forbid you ever unknowingly Notarize an identity thief, fraud, or otherwise bad person. Notaries don’t get in trouble that often, but for those who make a career out of being a Notary, eventually you will be investigated at least once and perhaps end up in court, so keep your paperwork in order so the investigation is fast and smooth. Otherwise you might end up in court for a very long time — no joke! Roughly 1/7 of the Notaries on our site have ended up in court due to something that they notarized.

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December 22, 2016

How do I get a notarized Power of Attorney?

Filed under: Popular on Facebook (some),Popular Overall,Power of Attorney — Tags: , , — admin @ 12:25 am

How do I get a notarized Power of Attorney?

It is common to need a Notarized Power of Attorney. The issue is that many people don’t know where to go for help. You need to either find a Power of Attorney form, or have a customized one drafted by a law firm. But, be careful. If you have the wrong Power of Attorney form, it might not be acceptable to whomever the custodian of the document is, or to the courts. I am not an Attorney and can’t advise you, but I suggest you first talk to the agency you are submitting the Power of Attorney to and see what their requirements are. After that, talk to an Attorney.

Step 1. Check with the Document Custodian

Many banks want customers to use their own Power of Attorney for Banking document to be used. This Banking Power of Attorney is sometimes not on an 8.5 x 11 piece of paper. I have seen them printed on card stock in such a way where there is not enough room for a Notary seal. Banks often insist that the Notary seal is on the actual document and won’t accept Attorney written documents. So, talk to the entity you are submitting the Power of Attorney for before doing anything else.

Step 2. Draft your Power of Attorney

If necessary, get your Power of Attorney drafted by an Attorney or someone who your Attorney recommends.
If you use a standardized form from an office supply store, make sure you get it all filled out before calling the notary.
You will need to have an Attorney in Fact (Agent or Grantee,) a Grantor, and you need to specify what powers you are granting, and for how long, and under what conditions. It’s complicated and critical, which is why you need an Attorney at $200-$400 per hour!

Step 3. Find a Notary on 123notary.com!
Any notary can notarize a Power of Attorney. They can also notarize a Durable Power of Attorney, or notarize a Health Care Power of Attorney. Certain states even allow the Notary to make certified copies of a Power of Attorney. 123notary offers a wide selection of mobile notaries who can come to your home, office, hospital room, or jail cell and get your Power of Attorney notarized. Make sure you have current photo-ID issued by government agency.

Step 4. Submit your Notarized Power of Attorney
Once your POA is notarized, you might need to submit it to a particular party, or have it registered at some government office. Ask your Attorney what to do. Keep in mind that banks often have their own forms for Banking Power of Attorney which are often very simplified forms on card stock which would be significantly below the standards of an Attorney. But, if it is for their bank, they have the right to request any type of form they like. Just make sure your Attorney doesn’t object too terribly much. It’s complicated! Be prudent and consult the right people and Attorney before making your decision what to do.

Types of Powers of Attorney

Health care Power of Attorney documents which are often called health directives, medical power of attorney forms or living wills. These are normally very long documents written by an Attorney who specializes in these matters. These types of documents often specify what to do if the Grantor becomes mentally incapacitated, or have to be put on life support.

Limited Power of Attorney documents which grant authority to the grantee to perform certain actions on behalf of the Grantor.

Durable Power of Attorney documents which could stay valid even after the Grantor becomes mentally incompetent (ask an Attorney for details.)

General Power of Attorney — gives broad authorizations to the agent

Special Power of Attorney — gives specific and special powers and authorizations to the agent

Final Note
Don’t ask legal questions to Notaries or other non-Attorneys. First of all, Notaries are not trained to answer legal questions. Secondly, they are not allowed by law to answer legal questions. Get your legal questions out of the way with your Attorney before you make your initial call to the notary. Nothing is worse than keeping a notary on hold while you resolve issues that a responsible person would have resolved long before they called in a notary! Also, Notaries are not normally authorized to draft legal documents, so find someone who is legally authorized to draft legal documents which is normally someone who works as an Attorney or perhaps in the legal field.

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You might also like:

Index of posts about Power of Attorney
http://blog.123notary.com/?p=20255

Logic errors can cost you as a notary
http://blog.123notary.com/?p=20110

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

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December 13, 2016

The Good Faith Estimate

Filed under: (4) Documents — Tags: — admin @ 9:49 am

The Good Faith Estimate may or may not be used anymore in loan signings as the new Closing Disclosure has an accompanying document called the Closing Estimate as of 2015. However, it is possible that some Lenders still use a Good Faith Estimate as different Lenders use different forms and variations on forms.

The Good Faith Estimate documents an estimate of what the various closing costs will be. The final numbers show up on the Closing Disclosure or HUD Settlement Statement. It is important for borrowers to understand which document is final and which one is merely a non-binding estimate.

The good faith estimate must be provided within three days of applying for a loan. Costing costs could include inspections, title insurance, taxes, appraisals, notary fees, title charges, reserves, and other fees.

How do I get a Good Faith Estimate Notarized?
If you need to notarize a Good Faith Estimate, just find a Notary on 123notary.com. However, The Good Faith Estimate is not normaly a notarized document, so save your money for getting your Deed of Trust notarized as that is always notarized in my experience!

Who drafts the Good Faith Estimate
It is normally the Lender who drafts or hires an entity to draft a Good Faith Estimate for him/her.

You might also like:

The APR
http://blog.123notary.com/?p=14483

The 30 point course synopsis
http://blog.123notary.com/?p=14233

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December 5, 2016

Affidavit of Support

Filed under: Affidavits,Popular on Facebook (shares) — Tags: , , , — admin @ 10:26 am

What is an Affidavit of Support?
The Affidavit of Support is a common immigration document. This document needs to be notarized with a Jurat (a common Notary act which involves a sworn oath.) The purpose of this document is typically for one family member to promise to the government that they will financially take care of the individual who they are trying to bring to the United States.

Where can I learn about Affidavits of Support?
For official information about this document, please consult an Immigration Attorney or the Department of Immigration. Please do not ask immigration questions to a notary as they are not authorized to answer these types of specialized questions unless they have some type of official authorization.

How do you notarize an Affidavit of Support?
Please make sure you have the document in your hand, and fully understand it before calling a Notary. The Notary will have you swear under Oath and sign in front of him/her. Next, the Notary will will in the Jurat certificate verbiage (notary wording) in the form and stamp the document in at least one place. When I was a Notary, Affidavits of Support required two stamps. There is also a problem that the document doesn’t leave ample room for the Notary Seal, so try to squeeze it in or attach a separate Jurat form if the client chooses for you to do so.

My personal experience with Affidavits of Support.
I had fun notarizing Affidavits of Support. I had lots of clients from around the world who treated me to tamales, dim sum, Thai coffee, and other international treats. Notarizing for Chinese people is the best as they are much more likely to feed you than other nationalities — plus, I love Chinese food.

What are some other commonly Notarized immigration documents?
The Affidavit of Citizenship is a commonly notarized immigration document. The Affiant commonly drafts his/her own statement and then has the Notary notarize the statement which normally includes a sworn Oath and normally requires the signer to sign in the presence of the Notary.

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You might also like:

Affidavit of Citizenship
http://blog.123notary.com/?p=2028

Modern Family: An Affidavit of citizenship & affidavit of domicile Notarized
http://blog.123notary.com/?p=10989

Affidavit of Support & Direct communication with the signer
http://blog.123notary.com/?tag=affidavit-of-support

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November 2, 2016

How can I get a Spanish language document notarized?

Filed under: Public Interest — Tags: , , , — admin @ 10:48 pm

How can I get a Spanish language document notarized?
Some states require that the Notary Public understand the contents of the document. If a document is in Spanish, then some states would require the Notary to be able to read the document in Spanish, etc. Other states require that the Notary speak the language of the signer so that they could have direct communication without the necessity of a translator.

How do I get a Spanish language document notarized?
How do you get a Spanish document notarized? On 123notary.com, you can find Notaries in any state that can notarize any type of document for you including foreign language documents. Just visit the advanced search page and look up by zip code.

California requires direct communication
In California, the Notary must be able to communicate directly with the signer. So, if the signer only speaks Spanish, please make sure your Notary speaks impeccable Spanish.

Immigration Questions
Notaries are not permitted to assist or advise in immigration matters unless they are specifically authorized to do so. Please direct your immigration questions to the proper authorities.

Notaries are generally not Attorneys
Please do not confuse the office of Notary Public with powers associated with Attorneys. In Latin America, a Notario Publico has an elevated position that is similar in many ways to being an Attorney, while in the United States, Notaries can only notarize documents, give Oaths, and not give legal advice. So, please direct your legal questions to a licensed Attorney.

Drafting Documents
Please do not rely on a Notary to draft your documents for you. Notaries are generally not authorized to draft legal documents or advise you on how to draft them. Please have a legal support center or Attorney draft your documents before calling a Notary.

Find a Notary on 123notary.com!
Just visit the advanced search page on 123notary.com and look up by city, county, or zip code. Then, use the Spanish language filter at the top of the search results to filter your results.

You might also like:

How do I find a Spanish speaking notary?
http://blog.123notary.com/?p=18824

Identification requirements for being notarized
http://blog.123notary.com/?p=4299

Find a Notary Public on 123notary!
http://blog.123notary.com/?p=4688

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October 23, 2016

Where can I find a Japanese speaking Notary?

Filed under: Public Interest — Tags: , , , , , — admin @ 10:34 pm

How can I find a Japanese speaking Notary?
How do I find a Japanese speaking Notary?
123notary.com has many bilingual Notaries on file, many of whom speak Japanese. Please be advised that we have many more Spanish speaking Notaries than Japanese speaking Notaries. However, if you look up a Notary by zip code on our advanced search page and then use the language filter at the top right of the page, you can see if there are any Japanese speaking Notaries in the area.

How can I get a Japanese language document notarized?
Some states require that the Notary Public understand the contents of the document. If a document is in Japanese, then some states would require the Notary to be able to read the document in Japanese, etc. Other states require that the Notary speak the language of the signer so that they could have direct communication without the necessity of a translator.

How do I get a Japanese language document notarized?
How do you get a Japanese document notarized? On 123notary.com, you can find Notaries in any state that can notarize any type of document for you including foreign language documents. Just visit the advanced search page and look up by zip code.

California requires direct communication
In California, the Notary must be able to communicate directly with the signer. So, if the signer only speaks Japanese, please make sure your Notary speaks impeccable Japanese.

Immigration Questions
Notaries are not permitted to assist or advise in immigration matters unless they are specifically authorized to do so. Please direct your immigration questions to the proper authorities.

Notaries are generally not Attorneys
Please do not confuse the office of Notary Public with powers associated with Attorneys. In Latin America, a Notario Publico has an elevated position that is similar in many ways to being an Attorney, while in the United States, Notaries can only notarize documents, give Oaths, and not give legal advice. So, please direct your legal questions to a licensed Attorney.

Drafting Documents
Please do not rely on a Notary to draft your documents for you. Notaries are generally not authorized to draft legal documents or advise you on how to draft them. Please have a legal support center or Attorney draft your documents before calling a Notary.

Find a Notary on 123notary.com!
Just visit the advanced search page on 123notary.com and look up by city, county, or zip code. Then, use the language filter at the top right of the search results to filter your results.

You might also like:

Identification requirements for being Notarized
http://blog.123notary.com/?p=4299

What is a Notary Public
http://blog.123notary.com/?p=6498

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August 26, 2016

Startup Apps that could ruin the Notary business

Filed under: Humorous Posts,Popular on Facebook (some),Popular on Linked In — Tags: , , , , , , — admin @ 10:44 pm

If you think that technology is changing faster than you can deal with. You are right. But, the worst part is that new technology is putting a lot of Notaries out of business. Snapdocs makes it easy for companies to find low cost competition. 123notary is getting more clicks than it did when Snapdocs came around, but Notaries are complaining about the low cost competition. So, here are some new startups to watch out for.

Notaryz
This company makes it possible to get notarized via web-cam (not legal in many states) or get a Notary to come to you for $30 plus parking. Notaryz doesn’t encourage tipping, but they don’t forbid it either. If you want a Notary who specializes in loan signing, Notaryz will tell you how those Notaries performed on the standardized test they have. Notaryz will also connect you with 3rd rate Attorneys who can’t get a real job who will give you discounted help drafting Powers of Attorney, permission to travel or other documents without you having to leave your desk. Notaryz is doing some brisk business, however is dealing with some tough competition from “PersynallyAppear” — an app that finds you a Notary who will personally appear before you without any digital signatures or web cams.

Roomyz
Are you upset with your roommate and want to pull a prank on them? Well, this new app called Roomyz is for you. They will play a joke on your roommate, send flowers from a nonexistent admirer, or throw water on them while they are leaving the house. Just download a photo of your roommate, use the dropdown menu to select the prank of your choice, or use the text box to indicate a customized prank, and let Roomyz do the rest. You can select from pranksters with reviews and pay them using our “pay once completed” app. Roomyz will take 15% of the proceeds, the rest if for the agent.

PayMyNotary
This app might be a little more popular with Notaries. If Notary can submit proof that a job was assigned to them and the journal entries to prove that the job was done (or somewhat done) then PayMyNotary will go after the signing company who hired you. They will fax, text, call, send threatening demand letters, contact Title, and even go to the Better Business Bureau. PayMyNotary will even contact collection agencies using the new app “Kullect” to get companies to pay.

Kullect
Kullect will let a Notary choose from hundreds of collection agencies to find the best price and best terms to get signing companies to pay them. Just download the information about the Notary jobs done for a particular company, journal entries, and then Kullect will do the rest (unless the server is down in which case you’re on your own.)

NotaryStandUp
This app sends daily jokes to Notaries that they can tell their borrowers. Every day, you get fresh new jokes, so there is no danger of telling the same joke twice. You might get fired by a few signing companies using NotaryStandUp, but you will laugh all the way through the process and your customers will swear that you are a “Stand Up Guy.”

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You might also like:

Apps that Notaries have never heard of that could change your life
http://blog.123notary.com/?p=16311

New Apps for the iPhone7 that you’ve never dreamed of
http://blog.123notary.com/?p=10977

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