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August 25, 2012

Borrowers With Guns

Stay with me here! It may be a wild ride. Yee-haa!

A few years ago, a Texas professor showed his class this wonderful, funny animation, a kind of protest song, “Cows With Guns,” about the underdog…or in this case, the undercow. That was where I first saw it. You can still see and hear this humorous short animated musical cartoon: http://www.cowswithguns.com/cgi-bin/listen_animation.cgi?cart=1344148843.

I am smiling and thinking that it’s kind of like that in the notary business: naturally peaceful, calm notaries begin to feel they have to arm themselves with guns in response to formerly secure, mild-mannered clients who used to be their friends but are now arming themselves with guns. Some people feel taken advantage of…and that stress makes them try to retaliate. They crack. Now that we’ve had our laugh, here are a few stories that are snapshots of how crazy things are…at least in some parts of the country.

There are companies that prey on people, particularly the elderly, and try to get them to take on more debt than they can manage. Internet loan companies are notorious for that. One Texas notary came to the door ready for a signing, and was greeted by a man with a rifle pointed at her. All he knew was that his grandmother had taken out a few loans and had a few debt collectors after her. Says this Texas notary, “He looked at me suspiciously, and growled ‘My grandmother is sick. What do you want?’ He thought I was coming to collect a debt…when in reality, I was doing a notarization from a debt relief company to help the grandmother get out of debt.” In Texas, the law basically states that someone can fire a gun if there is even a remote possibility that a person is threatening you…so a Texas notary might very well feel the stress and carry a weapon, too.

A second Texas notary says, “I have done more than one notarization where there are guns in the house. Cows with guns? How about borrowers with guns? Now I know a few borrowers who feel that they need guns…but a closing is no place for a weapon.There is already too much stress.” She continues, “One time a woman did not want to sign because she thought she was being cheated. She took out a rifle and yelled, ‘Oh no you don’t! I’ll kick your butt!’ and started shooting at the ceiling. She didn’t care what she hit, and that is a fact. I got out of there so fast I almost forgot my notary bag with my glasses and the paperwork for the refi. I had to go to the bathroom real bad, but I got out of there and stopped at a gas station a few miles down the road,” our Texas notary concludes.

Another Texas notary adds, “One man insisted on my doing the entire notarization for refinancing his house while he kept a pistol on the table. Turns out it was an air pistol, but he was acting like it was a real one and he kept fingering it. About halfway through the signing, he went outside to shoot a cat with it. But it could have been me! I didn’t know the difference; I couldn’t tell it was an air pistol. As a Texas notary, I have seen many homes where there are guns…and they are 100% real and loaded!,” squeaks the notary.

An Arizona notary tells us, “Some folks are just crazy…and are probably too crazy to responsibly use the money they borrow. One time, I was greeted by a man in the driveway with a rifle. His girlfriend was in the house and he didn’t want his wife to come in and sign to refinance. Their marriage basically broke up right there in the driveway.” She bites her nails, and continues, “Then there was the man who started yelling ‘This is FRAUD!’ It wasn’t fraud, just some of the documents weren’t correct…and I never found out what he was yelling about…but he had an AK47 in a gun cabinet, and I just decided to skedaddle out of there,” she says. “Another Arizona notary told me that, in one town, a notary was murdered. This woman was a part-time notary, and she was missing and found dead under mysterious circumstances…right after she went to notarize a mentally ill man at his home. A lot of women who are Arizona notaries carry guns in their cars or trucks these days when they go out on jobs,” this Arizona notary asserts.

As all the pro-gun sites claim, only people kill people; guns don’t. Certainly cows don’t. However, as one Arizona notary asserts, “In my experience, people who are so emotional and irrational aren’t always capable of using weapons responsibly…and if those people are my clients, I’d rather they didn’t deal with me with a loaded weapon! If I do not know the people whose signatures I am notarizing, and I have to go way out in the country and deal with these folks…as a single female notary in Arizona or Texas, I just might carry a gun. Based on some of the borrowers I have met recently and the situations I have seen and heard about….If only cows had guns, we’d all be vegetarians–and would probably be a lot better off!”

Tweets:
(1) The notary went out and bought a gun because he heard the borrower had a gun!
(2) Mild mannered peaceful notaries are arming themselves with guns to protect themselves from crazy borrowers.
(3) One Texas Notary went to a signing & was greeted by a man pointing a rifle at her.
(4) 1 borrower felt she was being cheated, whipped out a rifle and said, “Oh no you don’t!”
(5) people who are so emotional & irrational aren’t always capable of using weapons responsibly, especially at a signing!

You might also like:

I’d rather stop being a Notary than carry a gun
http://blog.123notary.com/?p=15896

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August 18, 2012

One of the best ways to help at a signing

Notary Public Arizona – some helpful hints from a local

“Of course, one of the best ways we can help is by thoroughly summarizing the documents people are signing,” says an Arizona notary. “This is what I am known for. People know that I will be honest. I do not give legal advice, ” smiles the Arizona notary public, “but I do tell them what’s what. Being a notary is a great profession. I get to meet all kinds of people, see how they live, and give them a little sunshine. What goes around comes around. That feeling that I have done my job right makes me happy. And I get plenty of good reviews and extra work.” This notary in Arizona recently opened her own company–and she was backed by everyone in her community who knows her.

You might also like:

Arizona notary public Q&A topics
http://blog.123notary.com/?p=140

Arizona Notary laws verses other states
http://blog.123notary.com/?tag=arizona-notary2

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December 5, 2010

Arizona Notary Laws vs. Other States

Arizona notary law and laws that vary from state to state. 
It’s difficult to post about notary procedure on Twitter and Facebook.  No matter how universal a notary law seems, it can differ across state boundaries and the interpretation can differ among individuals too.
 
Credible witnesses
Arizona notary law specifies the term, “Credible person” , which is a way of saying credible identifying witness.  In Arizona, one credible witness who knows the notary as well as knowing the signer may be used to identify the signer.  Different states have different rules for credible witnesses. 90% of states allow them, but some states allow two witnesses who the notary doesn’t know, while others allow only one. California allows one CW if the notary knows them OR two if the notary doesn’t know them.
 
Foreign language signers
An Arizona notary must be able to communicate directly with the signer. Many other states have this same rule.  But, there are a few states where an interpreter may be used between the notary and the signer. 
 
Marriages?
There are a few states where notaries can get a special credential such as Justice of the Peace and perform marriages.  An Arizona notary public unfortunately can not perform a marriage — at least not one that would be legally binding. So, forever hold your peace!
 
Appear before?
In Arizona’s electronic notary rules for electric notaries (which is a separate office from a regular Arizona notary), there USED TO BE conditions where the  signer can be notarized without appearing before the notary for that particular signature.  Read our blog about Arizona electronic signatures for details.  This rule has been changed and signers must appear before the notary according to

Click here
 
Arizona Notary Bond?
Arizona notary bonds must only be for $5000.  Most other states require a larger bond than that.  In California, the bond must be $15,000 for example.
 
Seals and journals
An Arizona notary must use a seal and journal.  This seems fairly elementary, but many states do not require the use of both a seal and a journal. 
 
Marriage or adoption?
Arizona notary law prohibits notarizing for anyone who you are married to or related to by adoption.
 
Legal advice?
An Arizona notary public should not give legal advice and not prepare documents for clients.  Some states prohibit the preparation of legal documents only, while AZ prohibits the preparation of any document. The prohibition of notaries from giving legal advice is standard across the board though.
 
Term
An Arizona notary commission’s term is four years.   A four year term is very common, although the number of years can really vary from state to state.

Please visit our Arizona Notary page!

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October 22, 2010

Arizona Notary Public Q&A Topics

Arizona Notary Public Q&A

Q. How long does it take to become an Arizona Notary Public?
A. It takes roughly 30-45 days for the entire process

Q. How much does it cost to become an Arizona notary public?
A. The application fee is $25 as of 2011 & 2012, plus there is an $18 bond filing fee.

Q.Can I get a refund after I have sent in my application fees?
A. No, it is not possible to get a refund.

Q. If I’m in themilitary, can I become an AZ Notary Public?
A. If you are in the military, certain officers are federally commissioned to do notary acts for other members of the armed forces.

Q. How many years is an Arizona Notary Public term?
A. Four years. A term beginning May 2nd 2010, will expire on midnight of May 1st 2014.

Q. When do I begin my renewal process?
A. Begin the process within 60 days before your expiration date.

Q. If I don’t begin my renewal process early enough, what can I do?
A. Can expidite the process for a $25 fee resulting in 24-48 hour processing.

Q. Who do I contact to get an apostille?
A. The secretary of state can provide this service for $3 and their address is:
Arizona Secretary of State Attn Notary Department
1700 W. Washington, 7th Floor
Phoenix Arizona, 85007

Q. How do I resign my Arizona notary commission?
A. Send a letter to the governor, and send a copy to the secretary of state’s office as well. You must surrender your Arizona notary seal and journal as well.

Q. How do I file a complaint against an Arizona notary public?
A. Contact the Arizona attorney general’s office for an investigation into your complaint. If the violation was criminal, then contact your local police station.

Q. What type of ID does a signer need for documents relating to real estate?
A. A current driver’s license, passport or government issued identification.

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