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October 21, 2013

Can you notarize someone’s initials?

Can you notarize someone’s initials?

It is fun to read all of the various notary questions that people have. But, a notary may only legally notarize a signature of a living person who appears before the notary public.

However, it is common for signers to be required (not required by the notary, but required by the document custodian or lender or other entity) to initial all of the pages of a Deed of Trust, Power of Attorney or perhaps a Note. There are other documents that are often initialed as well. It is never a legal requirement to initial a document, but it might be a business requirement for certain financial or business entities just to make sure that pages are not swapped after the notarization.

Initialing pages of a longer document is more of a “best practice” to deter fraud. It is harder to swap a page if there is an initial on it. However, Title companies are known to forge the initials of a signer just to save time — if the signer forgot to. Imagine that documents went to a borrower’s house, and the borrower signed the documents, and had them Fedexed back to the lender. If the borrower forgot an initial, it is a huge pain to bring those documents back. It is easier to commit forgery of an initial even though that is a serious crime!

Getting back to the main point of this article, no, a notary cannot notarize someone’s initials.

You might also like:

The 30 point course’s guide to initialing
http://blog.123notary.com/?p=14463

Why do I have to sign with my middle initial?
http://blog.123notary.com/?p=4452

Tutorial on initialing
http://blog.123notary.com/?p=14463

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April 18, 2021

Ooops! Errors that Notaries make that courses don’t cover

Filed under: Technical & Legal — admin @ 8:06 am

Here are a few dumb mistakes Notaries make that courses might not address.

1. Missing signatures, dates or initials.

2. Sending the package back to the wrong Mortgage company.

3. Forgetting to send the package and finding it in your trunk three days after the fact only to find out that the borrower lost their lock as a result.

4. Forgetting to confirm the appointment and finding nobody home when you get to the destination.

5. Not making sure all signing parties are there only to find out that the wife is at work an hour away.

6. Not printing out the whole package.

7. Not having the correct printing or downloading software downloaded.

8. Telling the signer you will be there in 10 minutes and then showing up two hours later with some lame excuse

9. Answering all questions with a snow job trying to cover up the fact that you are new and know almost nothing. This just makes you look annoying in addition to being new. At least you could be a straight forward new person with dignity.

10. Not reading the directions sheet (if there is one) at the top of the package. You could get fired for that.

Common mistakes the borrowers make include letting their cat or dog scratch you or bite you. when they put their dog on the other side of a closed door, have you ever noticed that door always seems to open several minutes later only to create a scene? Some borrowers also read forever and didn’t go over the critical facts with their lenders. Other borrowers don’t have a table to sign on — and that is a serious issue.

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December 28, 2020

Money and the Notary

Filed under: Ken Edelstein — admin @ 12:49 pm

Background
In my youth, quite some time ago; I met with Ben Franklin at Fraunces Tavern in lower Manhattan in the colony of New York. He told me that the phrase ‘A Penny Saved is a Penny Earned’ means that it is as useful to save money that you already have as it is to earn more. I found this inspirational, and was causative to this blog entry.

Pennies Saved
Saving money is a double edged situation. Of course you get to keep the cash by not spending it and add to your personal wealth. Naturally this assumes those who you trusted to make a payment to you actually do. Personally, I follow mom’s advice to not trust strangers and most often require PayPal in advance. But I digress. It’s nice to accumulate wealth for needs unanticipated; as well as the anticipation of becoming “elderly”, sick or disabled. Thus Ben was quite correct, simply put: it’s nice to keep those pennies.

However there is the other edge: wise spending. We enjoy choices, many choices vie for our pennies. A quality smart phone that can run wayz (a cell phone based GPS navigation aid) will save fuel and often travel time. Hoarding all income is impractical, if not impossible. The pennies not saved; in effect invested, can yield many more pennies. Mobile Notaries with quality equipment; and, of course the skills to deploy them often prosper. Misers rarely flourish.

Pennies Earned
Pardon the repetition; earning money is also double edged. Multiple dichotomies exist. One can do ten jobs for twenty five dollars each, or five jobs for fifty dollars each. Sure that is an over simplification of the lowballer. However the concept is a valid one. Similarly, the complex and lengthy to process tasks are generally the most lucrative. To get them you need a lot of skill, advanced education; and a reputation of excellence. Notaries compete rather than cooperate. There are many chasing the same few assignments. What to do? The simplest, albeit harshest solution; would be for the near failing, to seek other employment.

John Houseman for Smith Barney, said, “They make money the old fashioned way… they earn it,” Do you really do everything in your power to, in every case; do all that you can to earn your fee? Some do, but many do not. Most of us have probably received a “clean up” assignment. That is one where our employer stresses the need for accuracy and that they probably would “lose their client” if the job was re-botched.

A Closing saved is a Closing earned
A perfect error free package is a joy to receive. All the right boxes were checked and the fill in information was properly entered. Of course the signatures, initials and notarizations were a joy to behold. No need to call anyone, it was done, and done completely right the first time. They are not going to call Ghost Busters Notary for the next job – they call the provider of perfection.

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December 26, 2020

Squirrel Becomes Notary Public?

Filed under: Ken Edelstein — admin @ 12:47 pm

Not really, but in the “second time” redo of failed to fund packages; affiants have more than once told me a squirrel could have done a better job. Why is this? It’s not that the notaries don’t know how to notarize; they have problems with related responsibilities. By analogy, becoming a parent involves a relatively simple procedure. Being a good parent is much more complicated.

[She] / He who has imagination without learning, has wings and no feet. — Joseph Joubert
Substitute “Notary Commission” for “imagination” – that describes the situation for many. It’s not difficult to deliver perfection. It does take dedication and an intense desire for the “self gratification” that comes from delivering personal best. When you complete that assignment does it make you feel really good? It should. Knowing that no one, yes, no one could have done a better job should give the Notary a feeling of Pride, and “inner glow” of self satisfaction.

Learning can’t replace experience; but the reverse is also true. In addition to the basic Notary functions (ID check, Jurat/Acknowledgement, Oath, Stamp, Emboss) there is much knowledge to be acquired. Many simply don’t know how to communicate efficiently; neither giving nor receiving accurate and appropriate information succinctly. If you answer the phone with an all too often “hello”; the caller needs to ask “who is this”. Better would be “Good Afternoon, my name is Sally; how may I help you”. Do you need to send 3 emails because you did not ask all the questions in your first? Rest assured the “other side” is forming the “klutz” image of you.

You should have business cards, they are cheap enough. It’s a good practice to “sign your work” by placing your card at the top of the pile. Affix it with a binder clip, never just shove loose pages into a shipping envelope. Then, if someone has a question it’s easy for them to reach you. And, they have your “advertisement” so they know how to reach you for the next assignment. Try to always use stiff cardboard shipping envelopes, not the floppy ones.

Sometimes you win, sometimes you lose. My assignment tomorrow is for a loan package with both husband and wife signing. She is bedridden – they will make the process very slow. I will bring a clipboard for husband to bring pages; one at a time, to wife for her signatures and initials. Not knowing for sure the ailment; I will keep away, but be sure to actually witness the fact that she did indeed sign where necessary. It will probably take quite some time as she is a co-borrower and signs almost all pages. Some are easy, some are hard. Last week I had a 9 page job for my standard fee; it took 5 minutes. It averages out. Don’t develop an attitude when things go slowly – like the classic sign in the coffee shop: Don’t complain about the coffee, someday you too will be old and weak. With an eye to self preservation by avoiding sickness – we can and should do everything possible to accommodate those “less fit” than ourselves.

Lastly, be of good cheer. Nobody likes to work with a sourpuss. A smile and a few kind words will help the process go smoothly, for all concerned. Most people will “reflect” the way you act in their behavior to you, so be pleasant in the face of difficult situations. When you handle that “tough” one – detail what you did when asking for a review; you will often receiving a glowing one!

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November 6, 2020

Notarizing Multi-Page Documents

Should a Notary notarize every page of a document? How can a Notary or signer safeguard themselves from someone swapping pages in a document after the notarization has taken place? You need answers! Here they are!

1. A Notary Public notarizes signatures on documents, not pages on documents. A particular page or pages might have notary certificates within a document. Or, a certificate could be stapled to the back of a document. Ideally that certificate should identify the corresponding document. If you have a ten page document, there will most likely only be one, and possibly two pages with notary wording.

2. A prudent Notary Public carries what is called an inkless embosser that leaves a raised seal impression. This is in ADDITION to having the legally required inked seal that is used with blank ink. The embosser can be used to emboss every single page in a notarized document. I did exactly that on everything I notarized even if there were 100 pages. I did this for safety reasons. I did not want people to get away with switching pages after the fact and dragging me into court as a result of someone else not liking the idea that a page was swapped.

3. If a signer swaps a page from a notarized document, and that page was embossed, they can still swap the page. However, it will not be legal, and it will be very obvious to the Notary Public if investigated that the new page was not part of the original notarization as the notary embosses all pages — if the notary indeed was the type of notary who embossed all pages — like me!

4. Some people initial all pages. Initialing is a type of precaution. But, initials can be forged easily, and it is sometimes not easy to tell if they were forged.

5. If a document had a page swapped, the staple and staple area in the pages might show evidence of tampering. The degree of evidence depends on how skillful the fraud was at swapping pages. Luckly in my career of 6000 Notary appointments I did not have this issue.

6. If you need to add a page to an already notarized document. What can you do? You have to notarize the entire document all over again. I had that happen. What a pain. The signer wasn’t happy. Sorry — just following the law!

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You might also like:

Notarizing Multi-Page Documents 2011 edition
http://blog.123notary.com/?p=1706

Sending loose certificates is illegal
http://blog.123notary.com/?p=2470

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

How often do Notaries end up in court?
http://blog.123notary.com/?p=19914

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November 1, 2020

Names for Notary businesses that can get you in trouble

Filed under: Advertising,Popular on Linked In,Popular Overall — admin @ 7:25 am

Origionally published March 29, 2017.

In general, we recommend certain types of names for Notary businesses.

Geo-Keywords
The name can include a geographical keyword such as the name of your city, state, or region such as Los Angeles Notary Services or Koreatown Mobile Notary.

Professional Keywords
It can also be more professional oriented such as Karen’s Signing Services, or Notary Pro to Go. One successful Notary used the name After Hours Notary, At Your Service Mobile Notary, Notary at your Door, etc.

But, what if you got yourself in trouble picking the wrong name?
Many Notaries use generic business names that nobody will associate with the profession like LMT Services. I would not want to hire them to be my Notary because their name doesn’t gel with the profession. You need what I call anchor keywords to tie in your business with the work being done and/or the area it is being done.

Names that might get you in trouble!
You could also name your business First American Notary and probably get sued by one of our nation’s largest title companies. If you used the same name a signing company used, that causes trouble too. Many companies pick names that are very similar to other company names and get mistaken for each other. National Signers, National Signing Solutions, National Notary Service, Signing National, etc. You can see. So, if you pick a name, try to avoid using words that other services use. Be unique, classy, and relevant to your profession and perhaps to your area. You could use a hotel-like strategy for naming your business like Comfort Notary, Quality Notary, or Holiday Notary. I don’t think those names would serve you well, but who knows. Then there is USA Notary which is too generic and national and not specific to a particular area. Canada Notary would be in the wrong country. Inuit Notary would be good in Alaska, but not anywhere else. Hopi Notary might be good in Arizona, but the tribal leaders might object — just make sure they don’t put a curse on you! Star Notary Service is too generic, but what about Celebrity Notary Service? Royal Notary doesn’t make sense because we have no royalty in America.

Here are some names of Notary businesses our Notaries have:

A1 Notary Services — Will get you up high in the yellow pages. But, might get you confused with steak sauce.
Bay Area Notary — Great name, and has been in business for over a decade.
SOMA Mobile Notary — What does SOMA stand for?
Golden Gate Mobile Notary & Apostille — Sounds like they definitely go to Marin County.
Affordable Notary — Will they be classy enough for my needs?
The Notary To Call — This one has 33 reviews. Sounds like they really are the Notary to Call.
TheBestNotary.Net — He did well with his business.
Arden Mobile Notary Service — It’s a name, but not flashy.
Diamond Star Notaries — Okay
Sunshine Notary Service — Warm and inviting, but do they do late night service?
Dash Notary — Sounds like a good bet if you are in a hurry.
CA Notary Services — They did well in business, but California is a huge state. I prefer a more pinpointed regional name.
One-Call Closing Services, LLC — Exciting. You just call them once and the job is as good as done.
On Call Closing Services — They are waiting for you. Sounds like they take their phone to bed with them.
Denver Metro Notary — A geographically informative name. I know their coverage areas just by the name alone.
Signed-N-Sealed — Very professional sounding.
I & S Notary and Wedding Services, LLC — I’d prefer IB + SD Notary & Wedding; sounds more romantic.
D & D Document — Easy to remember and gets to the point.
1-2-3 Spanish Notary — I prefer 1-2-3 Notary en Espanol if you want to appeal to the prospective clients.
Mobile Notary Services — Very generic; bad name! Probably not even registered with the county clerk.
The S and S Group — Sounds like they don’t do notary work as their main forte.
Indiana Mobile Closers — Statewide coverage? Cool
Notary Mobile Plus — Gets the idea across.
C & S Mobile Closers — Sounds like a generic name like JB Trucking.
Drive by Notary — Sounds like they do notary jobs but do drive by shootings on the side.
DJ Mobile Notary — Someone’s initials at use here.
Emily The Notary — Classy and charming.

So, what are my favorite names?
Emily The Notary — This is a personal and easy to remember name that connects you with the person’s name and what they do. It is simple for the brain to process too.
Dash Notary — This name captures the character of our industry. We live on the edge, always ready to rush off to a signing at the last minute. It is not so different from the term Minute Man which is popular in Massachusetts where we used to have Minute Men.
Golden Gate Mobile Notary & Apostille — This name incorporates a world-class local geographical icon with the notary business. Very classy and relevant to our profession, but with a $6 toll going South (ouch.)

What are your favorite names? Feel free to comment!

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You might also like:

Choosing a name for a business license
http://blog.123notary.com/?p=7103

You could get sued if you don’t have a business license
http://blog.123notary.com/?p=7100

The notary profession is a profession – act like it is!
http://blog.123notary.com/?p=19598

When did Notary Cafe become decaffeinated?
http://blog.123notary.com/?p=20770

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April 2, 2020

How Much Can I charge for a mobile notary assignment and be sure that I will get the job?

Filed under: Other Guest Bloggers — admin @ 8:48 am

There is no easy or definite answer but based on my experience over many years, I have the following suggestions.

First and foremost, don’t immediately say YES when you are asked if you are available to do a notary signing.

The first question should never be, “how much are you paying”? Instead ask informative questions.

When (day and time) do they need it, what type of signing is it (Loan, refinance, POA etc), where is it and how many signatures are being notarized?

If you are comfortable with the answers you get on the above questions even if you don’t get all of the answers, then proceed with getting further details.

Who has the documents? If they are going to email them to you, when is the latest you can get it? Do you need to print one or 2 sets? Do they want you to fax or scan & email them back or drop it at a FeDex or UPS office? I always tell them to email the borrower a copy of the loan documents so they can review them ahead of time and not waste your time reading all of it and ask you questions when you get there for the signing.

After going through your questions, now is a good time to ask them how much they pay for the notary signing and for you to negotiate. You know the distance, date, time and hopefully number of signatures to be notarized. You need to know how much your time is worth and is it worth driving 1 hour for $75 or $150. Be prepared to let them know your reasons for your fee. In Los Angeles, the traffic can set you back 2 to 3 hours depending on where and what time you are traveling. What revenue are you giving up during the travel time otherwise known as Opportunity Cost?

I was recently blindsided when I accepted a notary signing for $250/-. On the surface it seems like more money than the average signing. The two critical mistakes that I made are not finding out definitively if the loan signing is for California or out of state and total number of signatures to be notarized. Out of state loan documents especially New York require more notarizations which require that you prepare California Acknowledgments or Jurats. Never assume that the number of signatures notarized are generally the same at around 4 or 5 for loan signings. The number of signatures I notarized was 30, not including numerous signatures and initials. Without the traveling fee alone, I could have charged up to $450/-. The signers wanted me at their house on the west side of Los Angeles at exactly 6 p.m. because it was convenient for them. That is rush hour and I spent an hour and one half on the freeway and only got there at 6:30 p.m. and offered my apologies to the signers.

As I drove back at 8:30 p.m., I reflected on how I can avoid repeating my mistakes. Although I asked for the number of signatures to be notarized, they told me that they did not know. Going forward, if I was told that they did not know the number of notarizations, then I would confirm via email that the mobile fee is good for up to 6 signatures and anything more they will be charged an additional $15/signature notarized. Next, I will not accept any assignment that will force me to drive during rush hour. If they insist, I will charge an additional fee depending on how long I expect to be stuck in traffic. If they don’t want to pay, that is fine. They can find another notary but at least I am valuing my time and they will know it.

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March 24, 2020

Good business names vs. Bad and which names get clicks…

Filed under: Advertising — admin @ 8:35 am

Some of the Notaries on our site have registered business names that they do business under. We recommend going to the county clerk and registering a well thought out business name. However, the name you pick for your business can affect the quantity of clicks you get on directories. Some types of names get the business while others just collect dust. The day you register your business has astrological implications as well, but that is a topic for a different day.

After a quick analysis of business names, I have come to the conclusion that the debate is more than just between good and bad sounding names, but between different types of names. There are specific local geographic names, larger geographical area names such as the name of a state, personal names mixed with notary terms, unusual names, and generic or not so good sounding names. It is a little difficult for me in my opinionated state of mind to decide which business name is better than another, so I will rely on clicks to decide.

Please note that clicks vary widely based on what area you are in, how many reviews you have, how good your notes section is, and how well known and popular you are as most people who hire you from a directory already know you.

1. Large Geographical Areas: 2.5 clicks per day average for first three entries. The other two have unusual considerations. Please keep in mind that CA Notary Services has an incoming link from one of its sites to one of its listings, so the stats will be affected based on that link. New York Mobile Notary Services is an organization with several people working for them and they have been around for a long time, and their geographic area is known for getting disproportional amounts of clicks.

The click average for these five entries is 3.28 if you do not take into consideration the abnormalities of the sample data. The average would be 2.5 clicks per day without the two listings that are “statistical anomalies.” I personally do not like business names that use the name of a state simply because the notary can only offer service to a particular part of that state. However, the clicks indicate that this type of name gets clicked on a lot. Jeremy says one thumb up but the clicks say two.

Mobile American Notary & Apostilles
AZ Notary Services
Illinois Public Notary Services
CA Notary Services
New York Mobile Notary Services

2. Personal Names + Notary or Business Terms: 1.9 clicks per day average I think that this type of business name is not bad. However, I prefer catchy unique names that grab your attention and are easier to remember. One thumb up for this type of business name.

Kalation’s Business Services
Roger’s Notary Service
Ellen The Notary
Saul Mobile Notary
Arlene Mobile Notary

3. Names I thought were weak in appeal: 1.35 clicks / day.
My gut reaction to these names matched their overall click appeal or lack of it thereby. Attributes combined with a notary term just don’t work. Putting two initials together with an & symbol did okay with D & D, but we don’t have enough evidence to get any idea of whether it is a good idea to use such a type of business name. Once again, I prefer a catchy unique business name. Two thumbs down for these names (sorry).

925 Notary
Reliable Notary
Prestige Mobile Notaries
Pro Bix Notary
Notary Pro Today
I &S Notary & Wedding
D & D Document
Mobi Notary

4. Unusual Business Names: 1.3 clicks per day.
These names are very unusual, but lack any type of kick to them. Half a thumb up.

All things named notary services.
Sevendocs Mobile Notary

5. Local Business names: 1.9 clicks / day average.
This type of business name is good because it lets the client know that you focus on their area. However, it is a bit generic and not very interesting. One thumb up for this type of business name.

Bakersfield Mobile Notary
Manhattan Mobile Notary & Apostille
Bronx Mobile Notary Service

6. Business names that Jeremy likes most: 2.3 clicks per day.
First of all, I wish there were more business names on our site. I cannot go through the entire site every time I write an article. I only go through the big cities. These are some interesting names in this category. Golden Gate Notary lets you know they cover San Francisco and surrounding areas without blatantly saying it. It is like poetry to my ears. Bay Area Notary does the same thing but has a larger implied coverage area. Neighborly Notary has a warm feel to it. No hassle is a really cool name that speaks to one’s emotional tribulations. A1 is a bit cliche, but gets the most clicks in this category and sounds good if you need a filet mignon notarized. Five Star is a great name and I’m surprised that nobody else used it. The Notary to Call is an awesome name because it says it all, is relatable, but yet unique and catchy. I love these names and hope that people can think of more catchy names. Two thumbs up for the names in this category, and the clicks agree with my opinion in this case.

Golden Gate Notary
Bay Area Notary
Neighborly Notary NYC
No Hassle Notary Public
A1 Notary Services
Five Star Mobile Notary
The Notary to Call

CONCLUSION
I recommend having a business name and spending lots of time brainstorming your options and consulting different people about this major decision. Unique and catchy names win the game, but business names that incorporate geographical terms, especially wider geographical terms seem to be successful as well.

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February 16, 2020

2013 compilation of best blog posts

Filed under: Compilations — admin @ 9:53 am

Here are my favorite blog posts from 2013

MARKETING

Companies that will hire NEW signers!
http://blog.123notary.com/?p=7059

We should be setting the fees, not the other way around!
http://blog.123notary.com/?p=3249

From 3 jobs per week to 3 jobs per day
http://blog.123notary.com/?p=3940

$10,000 per month on a bad month
http://blog.123notary.com/?p=3891

10 changes to your notes that double your calls!
http://blog.123notary.com/?p=4499

123notary elite certification, what is it all about?
http://blog.123notary.com/?p=8531

STORIES

The war between men and women notaries
http://blog.123notary.com/?p=3693

Mistakes notaries make with title companies
http://blog.123notary.com/?p=4412

A detailed look at the ninja course
http://blog.123notary.com/?p=4621

7 ways to use Facebook to market your notary services
http://blog.123notary.com/?p=5396

Getting what is due, a clever plan
http://blog.123notary.com/?p=3221

Interview with a Title company
http://blog.123notary.com/?p=3724

Notary quotes of the day
http://blog.123notary.com/?p=4011

Interview with Title Course
http://blog.123notary.com/?p=6553

Notary Jokes
http://blog.123notary.com/?p=8471

TECHNICAL

Signing Agent best practices 63 points
http://blog.123notary.com/?p=4315

How to write a notes section if you have no experience
http://blog.123notary.com/?p=4173

Signature name affidavit: Not a substitute for an ID
http://blog.123notary.com/?p=3823

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

What tasks can I do worth $1000 per minute?
http://blog.123notary.com/?p=4113

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

Why notaries don’t last
http://blog.123notary.com/?p=4087

When is it legal to notarize a document twice
http://blog.123notary.com/?p=4305

How to get something notarized that doesn’t have a signature
http://blog.123notary.com/?p=4695

How to explain the APR to a non-borrowing spouse?
http://blog.123notary.com/?p=4455

Why do I have to sign with our middle initial?
http://blog.123notary.com/?p=4452

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

Optional information on an Acknowledgment certificate
http://blog.123notary.com/?p=4407

Industry standards in the notary business
http://blog.123notary.com/?p=4370

How to get something notarized if you don’t have ID
http://blog.123notary.com/?p=4692

Notary fines and notary penalties
http://blog.123notary.com/?p=6903

Can you notarize someone’s initials
http://blog.123notary.com/?p=8269

Who are the parties involved in a Power of Attorney?
http://blog.123notary.com/?p=6738

Does Real Estate experience help as a notary?
http://blog.123notary.com/?p=4563

Common mistakes with the 1003, Crossing out the RTC, TIL & APR
http://blog.123notary.com/?p=4553

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October 7, 2019

How often do you do a clean up job because Notary #1 botched the signing?

Filed under: Business Tips — admin @ 11:21 pm

Most of the more experienced Notaries out there have done clean up signings. It is amazing to see what types of errors the initial Notaries made. Forgetting to have borrowers sign, forgetting to have acknowledgment wording, or forgetting to cross out the pronouns. Sometimes it is missing initials, or missing pages. Many Notaries do not know how to date a Right to Rescind, and I find this out when I test them.

No wonder so many companies want you to fax every page to them. There are so many careless and sloppy Notaries out there. Notaries used to do better on my testing 15 years ago. Things have gone downhill and so have fees. This gives more work for people I call, “The cleaners” — sounds mafia.

What are the sloppiest errors you have seen while doing a clean up job?

You might also like

A Los Angeles detective seizes two journals and complains about a thumbprint
http://blog.123notary.com/?p=22237

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

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