(2) Technical and Legal Archives - Page 25 of 28 - Notary Blog - Signing Tips, Marketing Tips, General Notary Advice - 123notary.com
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February 24, 2011

Erica’s Mobile Office Story

Erica’s Mobile Office Story
 
Erica has been a full time mobile notary for 17 years in California’s central coast.  She enjoyed driving her BMW to signings, and the gas mileage was not that bad.  But going all the way up to Northern San Luis Obispo county and all the way down to Santa Barbara Couny, and then all the way up and down and up and down for e-document signings got to be ridiculous.  She said to herself, “I’ve been doing this business for a long time, and there must be a better way to do this”. 
 
A few years ago she decided that a mobile office was the way to do business.  That would eliminate all of the traveling back home each time she needed to print documents.  She could print on the road while driving and multi-task which would make her time work even more efficiently.  There was a particular vehicle that she had had her eye on for a long time — the Chevy HHR.  It was a cross between a SUV and a Hatchback.  But, its main feature was that it’s battery was in the BACK, making it easy to add an inverter and power strip.  This would allow her to have printers, computers and other equipment in the back receiving enough power to all function at once!!! 
 
Long distance travel
Although her BMW got better gas mileage than her new “truck”, she didn’t have to go all the way back home each time she printed docs using the truck!  Erica’s range was 120 miles up and down the coast, and many times she would have to go up and down multiple times per day when business was faster (in the old days).
 
The inverter
Initially, she wanted to get a generator, but thought it would be too loud for night signings.  But, then after she bought her more powerful vehicle, the generator was no longer necessary.  She started out getting an inverter on ebay for $79, but it didn’t have enough Hertz.  Then, she got serious and made a pilgimmage to Oxnard, California to get a heavy duty 2000 watt inverter for $129 which did the trick.    This inverter had enough power for all of her equipment.
 
Her equipment
Erica’s arsenal of equipment includes: (1) a netbook, (2) a three-in-one scanner, printer, and fax (3) HP Laserjet 2430dtn printer that prints a whopping 35 pages per minute! Wow! That’s the fastest I’ve ever heard about.  She has SIX of these and gets them for pennies on ebay, but they might cost up to $1000 in a store.  She get’s her toner for $20 on ebay which costs over $100 in stores.  The other things she stocks in her “truck” include extra legal paper, letter paper, toners for each weapon, staplers, tape, rubber bands, shipping supplies, post-it notes, and dozens of pens.  She also keeps an extra journal in her car just in case!
 
The warranty
Erica is a seasoned electronics customer and gets a square trade warranty whenever she buys something online.  Personally, I would go with the triangular one (to keep things simple), but the square one seems to be the industry standard.
 
More work capacity
The bottom line of this story is how Erica refined her operation to have maximum efficiency.  She can now accept last minute assignments.  And, by eliminating the back and forth, she can now do nine signings per day, when the maximum she was able to do in the old days was five.

You might also like:

Which dual tray printers do Notaries like?
http://blog.123notary.com/?p=19351

Mobile Offices from A to Z

12 points on e-notarizations

Elite certification will help you for the rest of your life
http://blog.123notary.com/?p=20770

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February 15, 2011

Cross-out happy; Not a good idea

Some lenders allow cross outs. Others will fire you after the first cross out. Some signing agent courses recommend that you cross things out without a second thought. Others don’t. Even our loan signing course teaches you to cross out wrong dates in the right to cancel document. But, if you work for Provident or other lenders who don’t allow cross outs — you’re fired! Gulp?

Don’t worry, just read the instructions. Many loans have an instructions sheet. If there is no letter of instructions, then ask before you cross, okay? Don’t assume that you can just cross anything out. First of all, remember the golden rule of cross outs. Don’t cross out unless: (1) you have permission and (2) it is a last resort.

What about the 1003? The 1003 loan application has endless wrong information. It is my personal belief that the clerks they hire are required to make endless mistakes — otherwise they will be fired on the spot. If they get your social security number right they will be laid off immediately, right? In any case, the 1003 is not binding in the loan, but has to be sent back signed. Borrowers whine endlessly about this carelessly prepared document. What is the solution? Cross out and initial? Hmmm. Not sure…

My take on the 1003 is that you will cost yourself 30 minutes of wasted time if you call your contact person about anything, so don’t call unless you really need to. Otherwise you will never get out of the signing. If the lender allows cross outs, you will not endanger your loan by crossing out in the 1003 or for wrong dates on the right to cancel. If the lender doesn’t allow cross outs, then don’t do it.

Trick question

Q. What is the only document the is in a completed loan package that REQUIRES cross outs?
A. Acknowledgment certificates require the notary to cross out the his/her/their, etc.

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February 1, 2011

How to get paid by out of biz signing companies!

Many notaries ask us how they can get paid by signing companies. Dealing with signing companies can be tricky. But, there are some basic rules of thumb you need to understand.

(1) You need to screen companies before you work for them.
That way you avoid the really bad ones and cut your losses. No notary gets paid 100% of the time, but if you avoid bad companies, you will raise your percentage for how often you get paid. Notary Rotary and 123notary have excellent resources in our lists of signing companies and the forum. You can read the gossip about hundreds of companies before you get involved. Stick you toe in before you jump if you don’t want to get in trouble!

(2) Don’t give too much credit to companies
Notaries get in trouble when they let a company rack up a huge bill. You need to keep track of the payment regularity for each company who you work for. If someone is delinquent on even one payment, don’t work for them until they clear that up. You need to keep your personal records for all signing companies on your person at all times just in case they call offering you work. I wouldn’t offer more than $400 credit to companies with a good rating on our list of signing companies. Don’t offer more than $200 credit to others who are either not ranked, or have mediocre rankings. If they want more work from you, they can paypal you funds up front or pay faster. No money, no honey!

(3) Visit our resources page.
There is a “how to make sure you get paid” page in our resources page. In that page there is a letter from hell which is a template for a demand letter. It works most of the time. But, if the company is out of business, even our demand letter might not work. Don’t get strung along to that point. Settle your finances quickly so that you don’t end up with a company owing you $3000 who is out of business. Keep track, and stay out of trouble.
http://www.123notary.com/notary-public.asp

(4) Your attitude makes a big difference
When I talk to notaries who have trouble getting paid, I notice a few things. First of all, all notaries have trouble getting paid from time to time. But, if a company is low on funds and can only pay a few of the notaries they owe money to, they will pay the ones they intend on using in the future. If you are a bad notary, or are a headache to deal with, you are LESS likely to get paid. Keep that in mind. Be pleasant and professional. One guy who didn’t get paid interrupted me each sentence. I couldn’t finish my thought without being interrupted. No wonder he didn’t get paid. The signing company must have gotten complaints about him. That is not a legitimate excuse not to pay him, but signing companies typically don’t care about what is legitimate or not! They do what they feel like.

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January 29, 2011

Attorney States in the Notary Profession

Filed under: Technical & Legal — Tags: — admin @ 11:57 am

What is an Attorney State? Is that a state where everyone who resides there is an Attorney? What would they do all day long besides wake up, have breakfast and sue everyone? Or does it mean for an Attorney to state a fact about something? Neither.

An Attorney State is a state in the USA where only Attorneys are supposed to be able to do loan signings. Anyone else who facilitates a loan signing could be convicted of the unauthorized practice of law — or so I’ve heard. However, in these states which currently are Massachusetts, South Carolina, and Georgia (possibly a few others too) we do have Notaries who do loan signings for a living. They often do signings for out of state properties and think that they can get away with it.

One Attorney in Georgia that I talked to told me that if your two feet are on the ground on Georgia soil (or perhaps a hardwood floor) that you cannot conduct loan signings unless you are an Attorney — regardless of where the property is. Hmmm. Looks like people are breaking the law.

One Notary listed on our site got fined $40,000 over ten years ago or almost got fined that amount. They had to hire an Attorney to defend them in court. What an ordeal. And this was for unauthorized practice of law because they were doing loan signings.

If in doubt, consult an Attorney to see what your rights are as a notary to do loan signing in your state and ask what constitutes UPL as the definitions are frequently very arbitrary and convoluted.

You might also like:

UPL — Unauthorized practice of law in the notary profession
http://blog.123notary.com/?p=21317

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

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

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January 28, 2011

Don’t be intimidated

Filed under: Technical & Legal — Tags: — admin @ 9:18 am

HOW MANY TIMES HAVE YOU AS NOTARIES HEARD THE FOLLOWING?
Don’t be intimidated. Know the laws and stand your ground. Be an empowered Notary!

1. My lawyer said that you don’t need to attach anything. Just sign it and I will get out of your hair.
2. The other Notary I went to did not attach anything to the same document. Why are you?
3. Look, I used to be a Notary. Don’t give me a hard time.
4. I am a Lawyer…I do this for a living. Please don’t question me.
5. Look, if you don’t do it there are a hundred other notaries who will be happy to have my business.

At the end of the day, you need to be confident in the Notary Laws. Take the 123 Notary exam and be listed as an Elite Certified Notary. At the beginning of every year print out the Notary handbook with any new law and us e it as your bible and source of reference when you are questioned. It will add to your credibility and boost your own confidence when you interact with the public especially an attorney who thinks he is the repository of all knowledge and just miraculously knows more than you a licensed Notary.

I have had encounters of the worst kind with Lawyers, Doctors, Real Estate professionals and even other Notaries who have repeatedly challenged me and when they did not like what I had to say took to the internet and unfairly left me and my company bad reviews spewing the most vituperative and vile stuff. I responded in a cool and calm manner on why the reviews were without basis and let the readers decide for themselves.

Here are a few examples of things you are asked to do that you should not do under any circumstances if you want to be a trusted Notary and keep being an advocate of best notary practices.:

1. A Doctor wants you to put your seal on the photo when the Notary Laws prohibit you from doing so.
2. The name on the document does not match the name on the ID
3. An Attorney does not want you to even glance through the document to check if it is complete complaining that it is an invasion of his client’s privacy.

You are licensed and knowledgeable. Don’t let people push you around. Enjoy what you do and help people in the process.

.

You might also like:

Cross out and initial, or use a fresh form?
http://blog.123notary.com/?p=19933

The ID says John Smith
http://blog.123notary.com/?p=19953

The one Notary that used the embosser was the one Notary that…
http://blog.123notary.com/?p=19650

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January 25, 2011

The man who wouldn’t use his middle initial

Once upon a time, there was a man who didn’t want to sign with his middle initial.

This man was very uncomfortable using his middle initial and protested vehemently.

He wanted to use his regular signature to protect himself from identity fraud. He felt that signing in a slightly different way would make him succeptable to identity fraud.

During the initial signing, he was forced against his will to sign with his middle initial. This was during the time when he was doing a purchase on the property. Then, several years later on the refinance signing, the notary explained how he wouldn’t get his money if he didn’t sign with his middle initial.

No initial — No $200,000 — it’s that simple.

So, after a little coaxing, the signer did what the notary asked, and signed using his middle initial, and all went well.

And everyone lived happily ever after

The End!

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January 21, 2011

How many years is a Notary commission good for?

How long does a notary commission last? How many years is my notary commission good for? How many years is my term of office as a notary public?

The answer is that it varies from state to state.

An Alabama Notary commission is good for 4 years

An Arizona notary commission is good for 4 years

Arkansas notaries are commissioned for 10 years.
A California notary commission is good for 4 years.

A Colorado Notary commission is good for 4 years
A Florida notary commission is good for 4 years
An Illinois notary commission is good for 4 years

Louisiana notaries are commissioned for life and have the hardest training program of any state.

A New Jersey Notary Commission is good for 5 years
A Pennsylvania notary commission is good for 4 years
A Texas notary commission is good for 4 years
A Washington state notary commission is good for 4 years

But, some states have an unusually short term of office for notaries like Delaware which is only a 2 year term of office.

Some states have a short term of office, while others have a longer one.
The majority of states have a four year term, but a few have a five, six, seven, or even longer term.

Our forum article below covers even more states and their lengths of notary terms of office.
http://www.123notary.com/forum/topic.asp?TOPIC_ID=3955

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

How much does a Notary cost in 2019?
http://blog.123notary.com/?p=21308

Notary Public general information
http://blog.123notary.com/?p=20075

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January 20, 2011

Hospital Signings

“Many notaries say they do not do hospital signings because they are depressing,” admits a Virginia notary. “However, these notarizations do provide an opportunity to give hope to people who may not be around much longer, and allow the notaries to see a side of life that makes them grateful for whatever they have.” “It’s always worth doing something for someone in pain,” adds one Tennessee notary who did the following notarization.

“It was for a diabetic who had had some kind of complications. She asked me to come to the hospital. She was on a gurney, but she needed cash out from her home, a refinance, and she was desperate,” recalls this accommodating Tennessee notary. “Every time her blood sugar dipped, we had to stop.” It is hard to imagine that nurses and doctors would allow a signing to take place under such conditions… but, I guess when people need money, they allow for all sorts of things. The woman got her money out of her home so she could pay her medical bills. “I wonder if she got to do anything else with some of that refinance money,” our Tennessee notary asks. “She was a fun person, but I guess all that sugar caught up with her. I try to avoid hospital signings, but will do them if people can’t find anyone else,” she says.

One Maryland notary signed a veterinarian at an animal hospital. The refinance took place right on the operating table after the young doctor had finished operating on a cocker spaniel who had a cyst. Operations on dogs cost anywhere from $1000 on up, so this knowledgeable young vet was able to purchase a new home in an area of Maryland from which lots of dog lovers commute to D.C. This particular dog belonged to a retired army colonel, and was his pride and joy. “It was the only ‘hospital signing’ where I wasn’t working for the patient,” our Maryland notary recalls.

A more dismal hospital visit was made by a mature male Virginia notary who was shaken by what he saw. “It was in the middle of a hurricane, well, during one part of a hurricane. Getting there was awful. But I was asked to go notarize a will. Well, this guy was in the hospital bed…and I realized he had been amputated from the navel down. But it gets worse,” says our Virginia notary. It seems they “had amputated one leg–but it was the wrong leg…so they ended up amputating both legs.” The notary pauses as if he is sighing. He asks me not to include the name of the hospital, and adds,”You have trouble sleeping after seeing something like this. This man didn’t know how long he would live, and he had pretty much lost his faith in doctors, the military, and everyone else but me. This put a lot of weight on me, and I tried to be as kind as possible and not show how truly upset I was. That man never recovered, but I have never recovered from seeing him and hearing his story,” says our Virginia notary.

A slightly more upbeat hospital signing was for a ‘cash out,’ a refinance, and the notary was asked to come to the hospital. “I ended up signing this woman on the commode,” says our undaunted Maryland notary. “Sometimes,” she points out, “you just have to go the extra mile… even if it just means sitting still.”

You might also like:

A tale of 4 notaries at hospitals
http://blog.123notary.com/?p=463

Making family members leave the room
http://blog.123notary.com/?p=3604

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January 19, 2011

Phone interaction tutorial

Some notaries wonder why they are not getting any good Title companies to work with them. When we call some of these notaries up, we see within seconds why they are not popular. First, the way some people answer the phone is horrendous.

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Bad phone answering skills

“Hullo?”.

Do we have to guess who we are talking to? Or should we introduce your next assignment to your son because you forgot to announce yourself over the phone and we can’t tell you apart from your son?

Do your children answer your phone? Big no-no. How about your spouse? If you are a husband and wife team, that is understandable, but you still need separate cell numbers and you still need to let us know who you are when we call you. Otherwise we have to ask.

Title: Hi this is Marg from XYZ Title, may I speak to Susan please
Susan: (abruptly) WHO is this?
Title: I think I introduced myself very clearly — this is Marj from XYZ Title, may I speak to Susan please
Susan: Okay
Title: Okay, are you Susan?
Susan: Yes it is

Title: You made me work very hard just to try to decipher who you were. Are you going to be this difficult working with? I had to repeat who I was twice while you evaded announcing who you were. I am not the only person who needs to give information around here, especially if I am paying. I will call someone else. Thanks.

It is very rude to make someone repeat who they are before you reveal your secret information about who YOU are. If you are rude to Title companies, they have plenty of other inexperienced and unprofessional notaries to choose from.

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Background noise

Is there background noise when you answer the phone? Are there screaming children or other noise. You should apologize about the noise as soon as you can and move out of the noisy area. Otherwise, nobody will have patience for you.

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Someone else answering the phone?

If you are in business for yourself, it is extremely unprofessional to have someone else answering the phone for you. However, if they introduce themselves professionally and can carry on a professional sounding conversation, it might be tolerated. The worst thing you can do is to have a busy-body answer your phone for you who pushes their unwanted helpfulness on a caller.

Title: Hi, this is Marg from XYZ Title, may I speak to Susan please
Fred: Susan is not here, but I can help you.
Title: Thanks for your offer Fred, but I would like to Speak to Susan please, and I clearly requested that I wanted to speak to Susan
Fred: Can I help you with something? I can do everything that Susan can do
Title: You are being a bit pushy Fred. I am calling for Susan. I do NOT wish to conduct my business with someone other than Susan.

Please notice how Fred is offering unwanted help and trying to push it down Susan’s unwilling throat. This happens a lot when I call people. They don’t take no for an answer and get in trouble with me as a result for rudeness.Notice how Fred didn’t once offer to take a message for Susan. He was pushy and very unhelpful in the ways that Marg might have wanted to be helped. What a headache.

======================

Asking people to repeat

Do you have other people keep repeating everything they said. Are you paying attention? Or can you just not think clearly, so to avoid having to respond to something you don’t know how to respond to, you ask people to repeat. If you are in a noisy place, or have a glitch in your cell coverage, you might apologize for the sudden static in your cell phone. Tell them that you heard the “I need you there at…. blank o’clock” part. That way they know you are listening and heard everything but the one critical word. That is acceptable. But, if you loudly say, “WHAT?” after everything the other person says, they are not going to hire you. Roughly 15% of our notaries are people who ask us to repeat ourselves multiple times during a conversation. It is very unpleasant and nobody is going to want to pay money to someone who is such a poor communicator.

=====================

Unprofessional remarks and behavior

(1) Oh yeah, you’re calling about that notary thing. (are we in Junior High still?)

(2) I just got my notary. (you mean your notary commission?)

(3) I just got off the phone with the customer, (you mean the borrower)

(4) Annoying or harsh music on your answering machine is considered unprofessional too

(5) Not having your name stated on your answering machine is unprofessional as well.

(6) Not knowing your basic loan signing terms and procedures is unprofessional and dangerous

(7) Answering the phone only to tell someone that you are in a signing. If you are in a signing and can’t talk, then why are you answering the phone?

(8) Answering the phone to tell someone that now is not a good time to talk. Why not let them leave a message if now is such a bad time.

(9) Answering the phone and telling them that you already sent the documents back when you don’t even know who is calling. Do you ASSUME that you are talking to the signing company from that job that you are at right now when it is someone completely different? Dumb!

(10) I’m certified. (you failed to mention which entity certified you)

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Notes section

Most notaries do not include any unique information in their notes section. Instead they start off by talking about the least consequential information you can think of such as E&O insurance, background screening, and the fact that they are certified. Everyone on 123notary is certified by someone. It won’t get you ahead unless you have the 123notary certification icon. Indicating that you are NNA certified on our site will win you 0% more clicks since 90% of everyone else on 123notary is also NNA certified. You might as well say, “Hire me because I have two arms and two legs.”

Write about what makes you unique. Talk about your experience. Number of loans signed. Number of years as a Mortgage Broker. Specific types of loans signed. Do you offer last minute service? How many miles is your radius? Information that is unique to you.

The other notaries all claim to be dependable, reliable and professional, yet only 10% of them actually meet our standards for these adjectives so they sound phony. Do you sound phony? Talk about something that sounds REAL and UNIQUE. If you were a school teacher for 25 years, then you can claim to be good at nitpicking other people’s work and noticing all of their mistakes and everyone reading your notes will believe you.

========================

Tone

Some people just start out sounding unpleasant. Their words might be good ones, but their tone just doesn’t sound appealing at all. Talk to me on a bad day and I have tone too. But, some people always have tone. Try to sound pleasant when talking to clients or prospective clients.

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Arguing

Do you argue with clients? They want it their way. Don’t say, “Well I usually xyz”. Nobody wants to hear this. You should be asking them how they want it done? Would you like tomatoes on that? Now you are talking! Don’t accuse your clients of being overly demanding. Do they pay you? Then work for them and do what they want for the right price.

===========================

Vagueness & Rambling

Do you answer questions with vague answers?

Q. How far do you go?

A. Well, I usually cover Carbon county, but I might go to Hutchinson county if it is not too far in because my niece lives there and ….

Q. Lady, can you just tell me your radius in miles please without your life story?

A. Oh, well, it depends.

Q. Thanks for the help, I’ll call someone else

People in the signing industry are tired of this type of run around. Just answer the question the way it was phrased.

Q. Can you get the documents sent back to me tonight?

A. Well, it depends on where the signing is, because it is East of me, there is no drop box, but then if it is South, I could come around on highway 19, and then I could…

Q. Just tell me if you can get the documents back to me tonight… the signing is in Waxahatchie

A. Oh, well in that case, that is Southwest, so let me spend five minutes calculating while I keep you tied up on the phone… hmmm.

Q. Never mind, I’ll call someone else who can drop it in the drop box tonight.

Boy, what a hassle. This is not brain surgery here. Just say, “Yes, I’ll get it in the drop box tonight — guaranteed!”. And then do it.

=========================

Basically, we put up with a lot of unprofessional behavior. The smart notaries tend to be argumentative while the newer notaries often can’t function at all. Communicating is very hard for many, as they can not make a simple request without telling you their life story. Nobody has patience for this. People at signing companies deal with 100 notaries per day, and need their questions answered fast, and there is no time for nonsense. If you can’t communicate and do your job correctly, you will be sitting on the bench your entire career. It is not that difficult to be a notary. Just know your terminology and procedures, and learn to communicate effectively.

NINJA COURSE
In our Ninja Notary Marketing Course we will be teaching more on refined interaction skills, notes sections, marketing, analysis, higher level notary & signing skills, interviews with our best notaries, plus much more! Email us about our NINJA Course today!

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January 18, 2011

Notarizing For a Minor — Identification!

It is not that common to notarize the signature of a minor, but at some point you might be asked to. A minor who needs to be notarized must be positively identified just like everyone else even thought their signature is not legally binding. But, if you need a notary for a minor — what type of identification can they get? The DMV can issue them a state ID card if they are not licensed to drive yet. If they are old enough to drive, you could get a drivers license. Another possibility is to go to the Post Office and apply for a passport which is another acceptable type of identification for being notarized. One benefit of passports is that they are valid for ten years while state issued ID’s are generally only good for four or five years!

So, if you are asked to notarize a minor, you can give the parents a tutorial about acceptable types of identification for their benefit! And remember — when notarizing a minor, please document in your journal that the signer is under 18 — and you might also document their exact age as well! Be professional when you do an “underage notarization”! Do it right!

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