Marcy was being very careful now. She had heard horror stories about Notaries getting sued, and landing in huge trouble. Of course in real life, very few notaries get in trouble. But, they could, and Marcy didn’t want anything in her life to go wrong. She got a call from a guy name Sam. Sam seemed very normal at first. Marcy drove out to the job. She recorded Sam’s ID in her journal. Then, she asked Sam for a thumbprint. Sam seemed reluctant. That was a warning sign if Marcy had ever seen one. Sam said, “You don’t need a thumbprint.” Marcy said, “It is safer for me if I have one.” Marcy didn’t know that Sam’s ID was forged. It looked legitimate. But, she had no way to detect the difference as it was forged by someone very professional. Finally, the guy got desperate as he really needed to get notarized. He gave her the thumbprint. A month later, Marcy got a call from a fraud investigator. Apparently Sam was in a lot of trouble. The Feds were catching up with him. Sam was doing fake transactions in false names for huge dollar amounts and cheating people. Marcy asked if they would like a copy of the journal entry that had a thumbprint. The Feds were very happy that she had taken that thumbprint. Without that one piece of evidence they would be virtually unarmed against this felon! A few weeks later Marcy got a call from the Feds. They caught Sam, whose real name was Charles. They were going to put him away for a long time, and they wouldn’t have been able to convict him without Marcy’s help!
Then, a week later, a Lender had a job for Marcy. It would pay extra. The Lender asked Marcy to save a few extra spaces in her journal. Marcy asked why. The Lender said, “Just do it.” Marcy had never been a fan of corrupt Lenders or Nike commercials. So, she just didn’t do it as she knew that was illegal, although she didn’t know what the Lender had in mind. At the signing, the Lender asked Marcy to put yesterday’s date on the transaction. Marcy declined. Then, the Lender asked if she wanted to get paid. Marcy replied that whatever he was paying wouldn’t do her much good if she was at “county.” And that whatever he was paying her (or not paying her) wouldn’t be a huge loss to him if he were locked up at “county”. A day after the signing, the Lender wanted another favor from Marcy. He wanted her to send a loose Jurat with her stamp on it because the certificate section on the Deed had gotten torn by one of their secretaries. Marcy told him that she would send him a certificate, but not a loose one. She said, “Just send the Deed back to me, and I’ll shred the old certificate and add the new one — that way it is legal.” The Lender didn’t like that and said, “Just send it.” Marcy was fed up by now. She told the Lender she was reporting him to the Secretary of State and for him to never contact her again. Just some advice for Notaries: If you want to stay out of trouble, you should consider declining work from anyone who makes even a suggestion of doing anything illegal!
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Point (25) Identification & Jail Issues
Notaries who visit jails may be very aware that inmates never have an identification document which is suitable for notarization on their person. As a result, they might have their mother, girlfriend, or Attorney come and meet the Notary at the time of the notarization and bring the ID which is hopefully current. Jail wristbands do not constitute acceptable identification. However, many states allow the use of one or two Credible Witnesses. Please consult your state Notary handbook for specific laws relevant to your state.
Many States Allow Credible Witnesses
In California, Florida, and many other states, you can use two Credible Witnesses who know the signer, but who do not know the notary to identify the signer. If you visit jails, you might have to use this method of identification to legally notarize someone who doesn’t have an ID. Make sure these witnesses produce their own ID and sign your journal.
Personal Appearance
Many people do not understand the important concept of personal appearance. To be legally notarized, the signer must personally appear before the Notary. That means they need to be in the same room a few feet away, or on the other side of a glass in a jail. Once I was asked to notarize someone 50 feet away barely visible from a jail window. I couldn’t clearly see the person and I declined to notarize as that person was not personally appearing before me.
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Point (26) Wrong Venue
What if the wrong venue is inscribed within the Notary certificate? What do you do? There are several things you can legally do. You can take a loose certificate, staple it to the document, inscribe the correct venue, and then complete the rest of the form. Or, you can cross-out the incorrect county, initial, and write in the correct county name on the original certificate. The third solution is to notarize the document twice: once with the existing certificate and then a second time with new certificate (two journal entrees necessary in this case) in hopes that one of the two will be accepted by the document custodian. It’s complicated. But, what the law says is acceptable and what the document custodian will accept are often based on two entirely different standards.
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Point (27) Deterring Fraud
Notary Fraud is a serious issue. Fortunately, it doesn’t happen very often. But, it did happen to me. Luckily, due to my prudent practices, I was able to use three pieces of evidence to prove that a particular notarization was indeed done fraudulently. After investigation, we learned that the fraudulent notarization happened to have been done by a crooked Title Officer’s secretary!
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What Constitutes Notary fraud?
There are many types of Notary fraud. Here are a few.
(1) If a signer falsifies an identification document, that would be fraudulent.
(2) If a Notary puts an incorrect date on a notarization on purpose, that would be fraudulent.
(3) If someone uses a Notary’s seal who is not the rightful owner of that seal, that is fraud.
(4) If a signer signs someone else’s name and has that signature notarized, that would be fraud.
(5) If a Notary or anyone else purposely attaches a Notary certificate to a document it is not associated with, that is fraud.
(6) Swapping pages on a document after it has been notarized is fraudulent.
(7) Using an expired Notary Seal is fraud.
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Here are Some Ways to Deter Fraud:
(1) Use an embosser as a secondary seal for all pages of all documents notarized.
(2) Avoid leaving any blanks in notarized documents as those could be filled in after the fact.
(3) Staple Notary certificates to the documents they are associated with.
(4) Take thumbprints in your journal for all notarizations just in case the signer’s ID is forged.
(5) Be thorough when you fill out the additional information sections in an Acknowledgment certificate.
(6) Be sure to indicate how many pages are in the document.
(7) Be sure to indicate the name of the signer, and their capacity if applicable.
(8) Be sure to indicate the document date to better identify it.
(9) Be sure to indicate the name of the document.
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Additional Optional Information for Acknowledgments?
Acknowledgment certificates have room for the document name, document date, and number of pages among other information. This information helps to identify which document it is associated with. Since Title likes to dismantle stapled documents which is a very questionable practice, you need to make sure they know which Acknowledgment goes with which document.
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There are Three Reasons why this Additional Optional Information Should be Required.
(a) If the certificate is accidentally removed from the document, it will be clear which document it is associated with. That would help someone who made an honest mistake.
(b) If a fraudulent person wants to re-attach the certificate to another document, he would be deterred by the fact that there will be evidence to show that he fraudulently attached the certificate to the wrong document.
(c) If a fraudulent person re-attaches the certificate to another document, they can easily be caught after the fact if investigated.
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These reasons are all related, yet all different. You assist the honest re-attaching, you deter fraud, and you catch bad guys when you investigate. Got it?
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30 Point Course (28-30) Beneficial Interest, Negligence, E&O
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Seal Forgery, it happened to me
http://blog.123notary.com/?p=724
Fraud & forgery in the Notary profession
http://blog.123notary.com/?p=2294
What is a venue in a notary certificate?
http://blog.123notary.com/?p=8454
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You want to get paid well as a Notary, but do you merit a good rate?
Most Notaries are complaining about how poorly they get paid and all of the headaches like fax backs, micromanagement, and hassles they have to put up with. The reason for the micromanaging and fax backs is that someone could lose their loan and their lock if there is a mistake. Notaries make mistakes more than they care to admit, especially the new ones. So, signing companies are forced to check up on Notaries. But, you’re not like those other Notaries, right? Prove it!
Most Notaries do not want to pass the 123notary certification test. They passed the NNA certification test or some other tests, but don’t want to take the trouble to pass ours. When I ask them questions over the phone, they typically try to pass themselves off as knowing it all and then fail my test miserably. For such a large group of people to be anti-knowledge is really bad. You are a professional, it behooves you to study up and know your technical data inside out. Know your Notary procedures inside out. Know your signing agent knowledge inside out. Not just some of it — all of it.
If you have signed a few thousand loans, have good connections, and are certified by several agencies, you are beginning to merit good pay. Those who are 123notary elite certified average $116 per signing which is a lot more than those who are not. Many beginners average $80 per signing, or at least that is my guestimate.
You can learn more about being a good Notary by reading the technical articles in our blog and in NNA’s blog. You can study up on your state’s handbook. There is a lot you can do to become a better Notary. Getting reviews on your listing and polishing up your notes section help your image as well. If you want to get paid well — merit the good pay and it will come.
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What are mobile notary fees
http://blog.123notary.com/?p=21383
Why are the fees offered so low you ask?
http://blog.123notary.com/?p=22293
Compilation of certification posts
http://blog.123notary.com/?p=16264
How to write a notes section if you are a beginner
http://blog.123notary.com/?p=16698