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April 19, 2024

Unlocking the Mysteries of Digital Notarization

Filed under: General Articles — Tags: — Tom Wilkins @ 12:00 am

In an era where nearly every transaction, from business deals to personal estates, can be executed online, the concept of notarization, once a stronghold of the physical world, is rapidly evolving. Today, a digital notary stands as a modern sentinel, guarding the integrity of important documents. But how does a digital notary work? Read on as we dissect the complexities of this digital transition.

What is Digital Notarization?

Gone are the days when notarization meant juggling paper and pen at the doorstep of a solemn official. Digital notarization, or online or electronic notarization, involves the notarial act performed via the Internet. This means that instead of meeting in person, the notary and the individual requiring services connect digitally. The process uses electronic signatures and notarial seals, making it convenient and secure.

So, How Does a Digital Notary Work You Ask?

To comprehend how a digital notary works, it’s important to explore the key components of the process:

  1. Identity Verification: The first step in digital notarization is verifying the identity of the person signing the document. This is typically done through knowledge-based authentication (KBA), where the signer answers several personal questions. Some systems also use biometric verification, such as facial recognition.
  2. Document Signing: Once identity is confirmed, the document to be notarized is signed electronically. Both the signer and the notary use unique and verifiable digital signatures.
  3. Audio-Visual Technology: The entire notarization process is conducted over a secure audio-visual connection. This allows the notary to interact live with the signer, ensuring that the document is signed willingly and without duress.
  4. Recording and Storage: Digital notarization sessions are recorded and securely stored. This record serves as evidence of the notarization and can be crucial in legal disputes.
  5. Electronic Notarial Seal: The notary applies an electronic seal to the document, which is legally recognized and equivalent to a traditional stamp or seal.

Advantages of Digital Notary Services

The advantages of digital notarization extend far beyond just proving the past. They bring convenience to the present, integrating seamlessly into our digital workflows. But more significantly, they herald a future where the sanctity of documents is safeguarded with the harmonious symphony of technological innovation and tried-and-true principles.

Convenience Without Compromise

Consider the toil of managing paper documents in bulk or the logistical hurdles of getting them notarized—digital notarization bypasses all that. With a digital notary’s seal, your documents now have the proverbial ‘fast pass’ through the bureaucratic maze, reducing wait times and allowing for swift adjudication.

Security in a Dynamic World

While the concept might seem intangible, digital notarization’s security is rock-solid. The technology’s foundations are based on encrypting data, ensuring the privacy of the contents, and time-stamped immutability, meaning the document’s integrity is safeguarded more meticulously than the crown jewels.

Embrace Digital Notarization Today

Understanding how does a digital notary work is essential for anyone involved in legal or financial transactions. Digital notarization simplifies the process by making it faster, more secure, and accessible from anywhere. With the growing reliance on digital solutions, the ability to notarize documents digitally is a valuable tool for both homeowners and business owners. Remember, the notarization date on your digital document certifies the validity just as a traditional stamp would, marking a significant step in embracing digital advancements.

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November 6, 2021

Doggie notarizations. Doggy do or doggie don’t?

Filed under: General Articles — admin @ 8:08 am

Do you do signings for people with dogs? I just talked to an ex-military notary who doesn’t like dogs for the same reason I don’t. You don’t know what they are going to do. They might jump on you while you are wearing a $1000 suit and the owners instead of apologizing will say, “Oh, he’s just being friendly — what’s wrong, are you afraid of dogs?” You are helpless and at the mercy of the owners at these signings.

I remember a signing where I asked them to put their growling little doggie behind a locked door. For ten minutes he was behind a door, and then mysteriously the door came open and a vicious predator was antagonizing me from several feet away. The owners were not even slightly sympathetic to how violated I felt and on top of that were rude to me.

Dogs can bite you. Dogs can upset you by being hostile. The friendly dogs can make you feel violated by molesting you which means touching without consent. There is not much that you can do.

But, there are things you can do. Here is my list. However, my list might get you blacklisted or in trouble. But, in my opinion it is good to set your terms and stand your ground if you feel strongly about something because your safety and feelings matter and dog owners don’t seem to get the message from members of the wishy-washy persuasion.

1. Set your terms. No dogs allowed within 20 feet of the notary. They should be behind a locked door at all times.

2. If any dog approaches you, you will not hesitate to leave the signing and they will not get their loan. You will get fired for this, but if you value your dignity, this is the only way you will get it. Many dog owners don’t really understand what “behind a locked door” means. They think that means for a few minutes until they let rover out so he can jump on nonconsenting people like he always does.

3. Pepper spray. You can let people know you carry pepper spray and will spray any dog that comes close to you whether he looks dangerous or not because after all, you don’t know which dog is dangerous until it is too late.

4. Making a scene. This is not a very professional thing to do, but then having you menaced by a dangerous predator isn’t either. If you are being attacked or menaced, professional behavior goes out the window. Taking the upper hand and defending yourself is paramount.

5. Kicking. If a dog attacks you, there is no time to pull a gun, knife or pepper spray. The one effective weapon against smaller dogs is kicking. You might break their face, but when a surprise attack happens in less than half a second, this is your only reliable and effective weapon. Dog owners rarely respect the feelings of those who don’t like dogs.

NOTE
I just had a situation in my apartment. I went out into the hall outside my front door. The neighbor in apartment A opened his door a little. I thought, “Oh God” because the last time that happened I was startled by a vicious dog who abruptly started barking out of control. But, this time two tiny dogs came out of the door at 20 miles per hour and started jumping all over me. I started yelling really loud and kicked one of the dogs. Six hours later I saw the owners in the lobby downstairs. They were holding their dogs, and their dogs once again WERE NOT ON LEASHES. The lady said in her thick Russian accent, “What kind of neighbor are you?” I responded that I am the type of neighbor that doesn’t like being jumped on by your dogs. Keep them on a leash!!! As usual, someone violates me, I react, and then I am treated like the bad guy. Next time I’ll kick ten times as hard and there will be an injury. Enough is enough. I told the woman that next time I’ll report them and I yelled at her very loudly.

Dog owner psychology
Since dog owners are generally reincarnations of dogs, they relate to dogs. I relate to tigers and cats for the same reason — and cats hate dogs. Dogs are normally vile creatures (but, some act nicely), so if someone is a dog lover, they will probably have or accept vile behavior as a result. Humans have a facade of civility, but beyond the veil of etiquette, the vile behavior will eventually show.

Dog owners love dogs, and they normally assume that the rest of the world loves dogs too. They have tremendous trouble understanding that many of us don’t like dogs, feel threatened by dogs and freak out if their dog jumps on us. Even people over fifty can’t understand this. I like Chinese food, but I get it that not everyone likes it. I also know that if somebody doesn’t like Chinese food that doesn’t mean that something is wrong with them. Dog owners will treat you like you are abnormal if you don’t like their ferocious and poorly behaved little friends. It’s insulting.

SUMMARY
If you stand up to irresponsible and inconsiderate dog owners, you might get fired from several jobs, blacklisted, or even fail your background screening if you pulla knife on little mugsy even if mugsy is the bad guy showing his teeth and growling at you from three feet away. On the other hand, if we don’t stand up to these jerks (nice dog owners are not jerks by the way — just for the record) then they can walk all over us for the rest of our lives. My apartment complex used to have a no dog policy. This changed two years ago and I have had incidents almost every day since then. I have been bitten once, and jumped on twice which I consider an attack if it happens suddenly. For me this is woof war. What do you guys think?

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March 19, 2021

Is it easy to pass a fake ID for a RON notarization?

Filed under: Technical & Legal — admin @ 4:44 am

If you are doing a notarization by video (sounds dubious at best) and the person presents a fake ID. How difficult would it be to determine if this is fake?

My answer is that I am not a RON, but that there are about eight types of portals or software packages that accompany RON notarizations and they can be used to identify a signer or check ID. Each is different and I have no IDea if they are good at spotting fake ID. If they can connect with the DMV in the signer’s area, then that would definitely help to verify the ID.

But, maybe the RONs and RONda’s out there can help give their input for this question as you know more than I do.

PS… If you are a female RON, wouldn’t that make you a RONda?

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November 16, 2020

Notary fined $385 for botching a Notarization

Filed under: General Articles — Tags: — admin @ 10:49 am

Originally posted in 2018

Many of the Notaries on our site are so incompetent about communication and Notary practices that I shutter to list them. The fact is that I am not always informed when Notaries get in trouble. I would like to hear more stories of Notaries who goof and get in trouble because I want to learn how to prevent the problems from happening in the future.

The fact is that a Notary in Louisiana (I don’t remember clearly the name of the state but think it is Louisiana) did a Notary job for a loan signing. The Notary was new and had no idea what she was doing. There were numerous mistakes on dates, signatures, notarizations, etc. In fact there were so many mistakes that the Lender make the Notary pay for the redraw of documents. The bill came out to $385. Ouch. What a nasty surprise for this enthusiastic but clueless Notary.

The moral of the story is that you cannot just get a Notary seal and start working without knowing what you are doing. The states don’t prepare you at all for Notary work. Even California gives very little hands on training. NNA certified notaries have been trained in some basic aspects of loan signing, but that course does not teach basic Notary knowledge. So, if you think you “know what you are doing” because you are NNA certified, try taking NNA’s Notary Essentials course first. It is better to know how to be a Notary than a loan signer, because most of the mistakes notaries make are either rudeness, leaving people high and dry, not following directions, or you guessed it — Notary mistakes. Notaries very rarely get in trouble for not knowing their loan documents and rarely get in trouble for dating an RTC wrong although it could happen.

So, become an expert at being a Notary. You can get into trouble with me if you don’t and trouble with the law, lenders and customers as well. Knowledge is power and ignorance comes at a high expense.

.

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

If you’re named as an identity theft conspirator, it could cost you $20,000 in legal fees.
http://blog.123notary.com/?p=19481

Do you keep a journal to please your state, a judge, the FBI or 123notary?
http://blog.123notary.com/?p=19483

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October 25, 2020

10 things Notaries can do to screw up a notarization

Originally published Nov 18, 2016.

1. When walking into a house where the borrower’s have large dogs, remember to not wear a suit of meat, as you will most likely get mauled ferociously

2. Always remember to have a small spare small container of vicks vapor rub, use just a little bit when entering the domicile of a hoarder or, of the special person who hasn’t figured out how to connect their ostomy bag

3. Under no circumstance should you ever bring your 175 lb ferocious rottweiler to a mobile appointment and let them attack your customer.

4. If you’re trying to conserve paper and think it is prudent to duplex (print on both sides), please don’t use that copy for the borrower’s to sign.

5. It’s common sense that if you don’t have your own solution, to print docs as in your own printer, don’t go into the borrower’s home and ask to use their printer to print their docs, and even more especially so, if they happen to be the respective secretary of state in your jurisdiction… remember to swear them in.

6. Body modification is great, and it is completely fine if you want to be an individual…. but if you look like you just bought the hardware section at home depot and affixed it to your face, maybe that isn’t the best way to impress a perspective client….

7. Always remember, the set of documents that the borrower’s signed, is the one you’re supposed to send back to the title company, If you have sent back the blank copy to the title company, you might not get away with stating you used invisible ink.

8. Always be prepared for almost every scenario, make sure you have extra stamp pads for when the ink starts to fade, blue or black pens depending on your jurisdiction, a writing or signature guide for the nearly blind or elderly goes a long way and you can be certain they’ll sign in the right spot. if you have a mobile printer, extra toner and always have extra paper.

9. If you plan on adding a piece of new technology to your equipment list, make sure to test it, find the faults, search the solutions, before you bring it out on the street. Also, before you go out for the day that your devices have a full charge. It’s great if you have a mobile scanner, but if something goes wrong, as things do… its even better if you have a solution or back up plan in place.

10. There is no ten. (sorry) I guess we screwed up!

.

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10 risks to being a mobile notary public
http://blog.123notary.com/?p=19459

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

Family guy – Peter joins ISIS by mistake & needs a notarized conversion
http://blog.123notary.com/?p=10507

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March 29, 2020

Two notarizations same document..yes or no?

Filed under: Carmen Towles — admin @ 8:45 am

As I often do, I read the notary discussion boards. It’s often entertainenlightening and full of situations that we are faced with to deal with almost on a daily basis. Most of them you share personally with me but this was a new one. A few days ago, the topic was about a notary that had a document that had one signature but two notarizations on the same page; One, was an Acknowledgement and the other a Jurat. The notary choose to notarize only one (don’t know which one they choose and they shouldn’t have done this but that is another issue) and the underwriter rejected it and sent it back for completion of the other notarial certificate. It seems that they wanted BOTH the acknowledgement and the jurat completed. The notary said NO and stated that it was one signature per notarial certificate. And since they had only signed once she refused to notarize both. And, although it sounded about right because most of us feel that it is one signature per notarization. After all, that is how we charge clients. In this case the certificates are different. One requires a sworn oath to be given and the other is just an acknowledgment on the part of the signer. I still wondered about this. Where is written in anybodies handbook that states that you can’t do one signature and have two different type of notarial certificates?

In my opinion, It seems that the lender and/or title was covering there rear end. Perhaps they couldn’t choose so they just decided to put both.The problem would have been easy if they had the signer sign one for each certificate. What ever the case its a decision that you have to make. It seems the notaries are split on this. I personally have seen this a couple times and I just notarize both. And enter into my journal.The question is what would you do?

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January 17, 2020

Notarization for a guy who pulls a gun

Filed under: Drama & Tragedy — admin @ 9:30 am

A client of mine in New Jersey tells this harrowing tale about doing a cash-out job in Patterson.

The Notary enters the house. The borrower calls his wife a crack ho. They go to the car to do the signing. The borrower pulls a gun, points it at the Notary and says, “You aren’t going to mess with me man!” The Notary said, “I’m just here to sign papers.” Then the Notary got a job signing for a paraplegic. The Notary asked how the signer was going to sign. The signer asked the notary to put the pen in his mouth.

After that, the Notary got a call to go to Karen Johnson’s house. He gets to the house and the woman loudly says, “What the hell is going on?” It was Whoopi Goldberg using her real name.

So, I guess that Notary had fun notarizing celebrities, but not as much fun as I had notarizing an arsonist and his jurors — not that I am trying to be one-up on him!

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October 27, 2019

Are online notarizations illegal to protect outdated customs?

Filed under: Technical & Legal — admin @ 11:48 pm

One blog commentator writes that online and webcam notarizations are illegal (in many jurisdictions) simply to protect the outdated customers of traditional Notaries. Since many Attorneys are Notaries, this in his opinion is a case of mob rules where the public loses. Hmm. Interesting thought.

Security is another issue. It is hard to know on a webcam if that is the actual person being notarized. People change their hairstyle and sometimes more than one person looks like the same person. As a former Notary, seeing people’s ID is not enough in my opinion. Women change their hair around so much they are often not recognizable.

I would feel more comfortable if Notaries had facial recognition technology so that we could really identify people. It would be like that movie from thirty years ago whose name escapes me where you walk into a store and a computer greets you by name due to the technology. How annoying and invasive. China is becoming like that, but then, they have 1.4 billion people (and counting) to take care of. On a brighter note, I think the urban folks have given up having children.

So, is the growth of online notarizations stifled by mob rule, a lust to preserve traditional practices, or for realistic and reasonable concerns about security?

You might also like:

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

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

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July 4, 2019

Notarization at a Subway

Filed under: Humorous Posts — admin @ 2:38 am

NOTARY: What a long drive. But, I’m here. Are you ready?

FRANK: I don’t normally work at this branch of Subway, I’m just “subbing”.

NOTARY: Oh, then can you grade my paper? It’s an Affidavit.

FRANK: There’s a spelling mistake in line two.

NOTARY: Really? And what about your Affidavit. Is it ready?

FRANK: It’s right here.

NOTARY: Would you like onions with your notarization, and would you like to make it a combo?

FRANK: Does it come with chips and a drink for another $2.25.

NOTARY: I actually have Fanta in the car. That helps me get better reviews. Being a Notary these days is not far from being an Uber driver except that we don’t have to vacuum our car as much… or ever.

FRANK: Got it. I’ll sign… Are you watching?

NOTARY: Watching. Your hands are clean right? No mayo or chipotle sauce on your fingers, right?

FRANK: Too late. Please affix your stamp there.

NOTARY: Please sign my journal first… Good… Now it’s time for recess.

FRANK: Recess?

NOTARY: You’re “subbing”, right?

FRANK: Oh, yeah… right.

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The Starbucks Oath questions
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January 1, 2019

eNotary — Electronic Notary & Electronic Notarizations

Can I get an electronic notarization? Can I get an eSignature notarized?

The answer to this question is that it depends on what type of document you are having notarized. Additionally, the notary needs to be able to identify you.

A Notary must apply for a special and separate eNotary commission that is above and beyond their regular notary commission. This is only allowed in specific states as well.

To become an eNotary, just become a regular Notary and then say, “Vanna, can I buy a vowel?” Just kidding. Please ask your secretary of state’s notary division how to apply to be an eNotary.

Many of the states that allow eNotarizations require the physical appearance of the signer before the notary public for all transactions. I heard that in Virginia, an eNotary can notarize people remotely in any part of the world. Please read this FAQ page to read the details of remote notarizations.

Remove Notarizations allowed for Virginia eNotaries
https://www.commonwealth.virginia.gov/official-documents/notary-commissions/enotary-faq/

Colorado eNotary
Personal appearance is also required in Colorado.
https://www.sos.state.co.us/pubs/notary/eNotary.html

West Virginia eNotary — West Virginia Electronic Notary
This state requires physical presence of the signer for eNotarizations alghough the signature can be digital.
https://sos.wv.gov/business-licensing/notaries/Pages/ElectronicNotarization.aspx

Texas eNotary — Texas Electronic Notary
https://www.sos.state.tx.us/statdoc/gettingstarted.shtml

Virginia eNotary — Virginia Electronic Notary
https://www.commonwealth.virginia.gov/official-documents/notary-commissions/enotary/

The Pros and Cons of eNotarizations
http://blog.123notary.com/?p=3672

12 points on e-notarizations (old)
http://blog.123notary.com/?p=228

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