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January 18, 2011

Notarizing an I-9 employment verificati​on document

Have you ever notarized an I-9 before? If it were me, I would ask an Attorney, the Secretary of State, or Immigration if a notary public could notarize this form. If you are a notary, the most important thing to do is to clarify that you are NOT an Attorney, and can not give legal advice. Also clarify that you are not an immigration expert and can not advise on matters pertaining to immigration either.

But, it is not generally illegal to notarize a signature on a document.

Have any of you had to notarize an I-9 before?
How about a K-9?

Tweets:
(1) Ask an Attorney if a Notary can notarize an I-9 employment verification document.

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January 17, 2011

What is a credible witness notary or notarization?

What is a credible witness notary or credible witness notarization? 

There is no such thing as a credible witness notary.  Credible Witnesses are individuals who are willing to swear to the identity of another individual who is signing a document in the presence of a notary public.  The notary who is notarizing a signature may not act as a credible identifying witness.  However, some states allow a notary to identify a signer based on personal knowledge which is similar in nature (but not terminology) to being a Credible Witness.
 
There is also no such thing as a credible witness notarization.  However, you could refer to a notarization as one that uses credible witnesses.  Credible identifying witnesses should not be used unless a proper identification document is not available.  Please also keep in mind that many credible witnesses these days do not know the full name of whomever’s identity they are swearing to.  For the sake of integrity, you might want to ask the proposed credible witness, “What is this man’s full name?”. If they say, “Joe?”, and then shrug their shoulders, then perhaps they don’t know Joe as well as they should to be a credible identifying witness.

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Where do credible witnesses sign the notary journal book?
http://blog.123notary.com/?p=2508

Oath of two credible witnesses
http://blog.123notary.com/?p=2405

Subscribing witnesses and Signature by X
http://blog.123notary.com/?p=2278

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A Massachusetts Notary Speaks Out. A coerced signature.

Filed under: Technical & Legal — Tags: — admin @ 12:02 am

A few days ago I spoke to a Massachusetts Notary Public on our list. She told me that there are some strange laws out there that almost got her in trouble. She had to appear before a judge due to a Notarization gone wrong. The wife was forced to sign by the husband and she didn’t really want to. I think they were from a foreign country where men boss people around because American men know what will happen to them if they boss people around.

Unbeknownst to me, there is an unusual law in Massachusetts where for some or all Notarial acts, the Notary must ask the signer (or ask the signer to swear — forgot which) if they are signing on their own free will.

I have never heard of a signer being coerced to sign in America. In India it happens a lot when people want to steal your property.

The judge made the Notary promise to always make the signer claim that they are signing under their own free will otherwise their commission would be revoked. Yikes. But, that is not a bad law.

I wonder why we don’t have that law in California. We have all types of other nonsensical laws. Hmmm.

Acknowledged signature
Witnessed signature
Forged signature
UnCoerced signature

So, now we have a new notary act — an uncoerced signature. That should be its own act not to be confused with an acknowledged signature.

The moral of the story is, if you notarize strange foreigners where the men think that men can still act like men and get away with it, beware, they might be forcing the females to sign.

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January 16, 2011

The Right to Decline Notarization

The Right to Decline Notarization
Notary must officiate on request.

The Penal Law (§195.00) provides that an officer before whom an oath or affidavit may be taken is bound to administer the same when requested, and a refusal to do so is a misdemeanor. (People v. Brooks, 1 Den. 457.)

The above is from the handbook of law provided to New York State notaries. Not much “wiggle room” there. I am writing this wondering if I just committed a crime! Of course we decline to notarize when something is “not right”, as we should. However, the issue before me is a request to officiate at the opening of a safe deposit box.

I have never participated in a safe deposit box opening. From what I understand, the notary is present and verifies the contents. It’s often a time consuming procedure. Generally it is a low paying function. I have heard that sometimes the notary is notarizing the statement as to the contents made by a bank officer. Other banks require the notary to make the statement as to the content and, as a notary, stamp and sign. That second procedure is a self notarization and illegal in New York State, and probably most other jurisdictions.

For the sake of discussion; let’s assume the procedure requested is the former, notarization of the statement by the bank officer. That’s certainly legal. The real issue is can mobile notaries legally refuse assignments? It is my understanding that a notary in a place of public accommodation (eg: at a bank) cannot refuse often saying “you must be a client of the bank”, any legal request. However, the mobile notary does not have a walk in location open to the public. Thus, IMHO the “before whom” does not exist; certainly that propinquity is not achieved “over the phone”.

One approach to avoiding unwanted situations is to price them very high. Sure, I’m available for your safe deposit box opening and my fee, with travel, is $500. But, that is a sham; and is sure to put you on the bank’s “do not call” list; possibly precluding an attractive assignment. I did not “high bid” my recent caller. I simply stated that I choose to not accept such assignments. And, that is the heart of the issue. Was declining a proper thing to do?

I have had people, despite my advertising to being a “Mobile Notary”; ring my bell and wish to enter my residence to have their document notarized. All of these have been declined. One or two were irate, and indicated that they would file formal charges against me. If they did, my licensing authorities probably dismissed their protest. I doubt there is any requirement to allow persons into my home, with the exception of Police, Fire, Building Inspectors, etc.

Unfortunately, the real issue remains, in my mind, a bit murky. Can I refuse a valid mobile notary request? If my schedule conflicts, I consider that a valid reason. But, if I am “available” do I have the right to “pick and choose” what mobile notary assignments I accept? We certainly do that all the time with Edocs from lowball disreputable callers. Many notaries do not like to notarize Power of Attorney documents. Many clients tell me their bank refused because Power of Attorney notarizations are “against bank policy”; presumably to avoid potential litigation.

Do we as individual mobile notaries have the right to refuse service to individuals for whatever reasoning we employ? The law cited above appears to require servicing all legal requests. My “not before us” is probably on weak legal grounds; I am not an attorney. How do you respond to requests that you do not wish to accept; especially those from individuals with proper ID, etc.

.

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The art of the decline to new notary jobs
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Decline profitable junk work
http://blog.123notary.com/?p=15495

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January 14, 2011

Certified Copy of an Apostille?

Filed under: Ken Edelstein,Technical & Legal — Tags: , — admin @ 10:00 am

Certified Copy of an Apostille?
Sometimes I am in awe of the machinations suggested to reduce notary fees. I have just been asked to process a college degree with an Apostille. Routine. However, the client also has asked me to additionally prepare a “certified copy” of the Apostille bearing document! Of course this is totally illegal; and it’s worthwhile to explore the issues involved.

“Student Copies” of educational related documents (degrees, transcripts, etc.) are illegal to notarize in New York State. Photocopies do not include the anti-tamper protections commonly incorporated into the original documents. “Photoshop Magicians” have been known to change the grades; raising their grade point average from a dismal 2.5 to a laudable 3.7. All done with just a few clicks of the mouse. Worse, there have been cases where only the name is changed on the degree – instant college education!

To put an end to this fraud, New York State has added educational related documents to the list of “copy may not be notarized” documents. Already on that list are Birth, Death, Marriage, Divorce and some other officially issued documents. With educational related documents, it is the Principal or Registrar who is the only authority to sign and be notarized. Their signature is on an original, even if it duplicates a prior issuance. Degrees are generally issued for Apostille processing as a letter, signed and notarized – attached to the actual degree. Both should contain the raised seal of the issuing institution.

Now to follow the processing trail. I notarize the signature of the Registrar on the letter with attached degree. My signature is authenticated by the State of New York and the signature of the County Clerk is added; attesting to my “good” standing as a New York State Notary. Then the document goes to the Department of State to receive an Apostille, after the signature of the New York County Clerk is verified. Finally the Apostille is added; with a tamper proof, non-removable grommet, such that pages cannot be added or removed.

The package now contains many signatures: The Registrar, the Notary, the County Clerk and the Secretary of State of the State of New York. Each one has added, in addition to their signature either a raised seal, or some other tamper resistant protection. It is for that reason that the package is acceptable for use in other countries.

Now comes a request for me, the humble notary to “certify” a copy of the entire package! It’s not even easy to make a copy because of the grommet holding the pages together. The only way to make a copy is to fold the prior pages “out of the way” leaving the grommet at the top left intact.

The photocopy would be a mess, and look it. But, it is technically possible; with parts of the underlying documents “cut off” because the non-removable grommet blocks the photocopying. OK, now http://kenneth-a-edelstein.com has a “somewhat” complete copy. How can I “certify” the copy? First, it’s illegal in New York State for a notary to certify ANY copy, only the owner of the document can make a statement that the copy is complete and unaltered; assuming it’s not on the “no photocopy” list. It’s common to notarize a photocopy of an electric bill to be part of proof of residency. But, it’s a long step from electric bill (with affiant present) to educational degree with Apostille attached and no affiant. The only legal way would be to do the complete job twice.

.

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How do I get an Apostille or Authentication?
http://blog.123notary.com/?p=1793

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January 13, 2011

E&O insurance: where do I get it & how much do I get?

Everybody is getting E&O insurance these days. Ironically, the only notaries who I have heard about having claims on their policies are the ones who went overboard and got a million dollars of coverage just for show which turned them into a target. But, on a brighter note, you need E&O in order to get hired. Yes, it is more of a fashion show than something you actually need, but the fact that signing companies don’t take you seriously if you don’t have it makes it a necessity. The question is — how much & who do you get it from?

Lots of vendors sell E&O insurance.
Notary Rotary sells it. NNA offers one stop shopping for notaries including E&O. One notary claims that Merchant Bonding offers the best rate on E&O. One notary said that Traveler’s charged him only $170 for 100K for four years which is excellent as others charged $265 for the same coverage. It seems that companies that cater exclusively to notaries do not always have the best rates on insurance, although the convenience of one stop shopping makes it worth while to pay a little more.

How much should you get?
The quantity of your E&O depends on who you are trying to impress. If you just do signings for signing companies, perhaps 25K is enough. If you are full-time and want to appear professional, it is better to have 100K rather than claiming in your notes section to be professional. Don’t say it — show it! If you want to work on the white glove list for major Title companies, then 500K or a million might be in order. I don’t know what that costs, but if you are getting paid big bucks regularly, then whatever they charge is probably worth it.

If you want to comment on this blog entry: let us know where you buy your E&O and what it costs!

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January 10, 2011

Acknowledgment or AcknowledgEment?

Are you in the Notary profession or getting a notarization done? You might want to get some information straight. There are various types of Notary terms out there that you should probably be familiar with. Common terms include: Notary Seal, Venue, Scilicit, Locus Sigilli, Acknowledgment, Jurat, Affidavit, Affiant, Affirmation, Oath, Protest, etc.

The spelling of Notary terms i.e. Acknowledgments
In the Notary Profession, there are various types of Notary acts done. Roughly 80% of Notary acts done are Acknowledgments. But, the Notarial spelling of AcknowledgEment should NOT have an “e” after the “g” — e.g. — Acknowledgment.

Legal issues with “Notary Acknowledgement”
Although I have never heard of any legal consequences for spelling Notarial words incorrectly, it is just good form and a sign of a good upbringing to spell terms correctly. If you can master spelling Notary Acknowledgment correctly, then you can try to master funny looking Latin terms for the Notary industry like Locus Sigilli which means the location of the stamp.

Where can I learn more?
123notary publishes all types of blogs about Notary issues, notary terminology, marketing, and other technical issues. We also publish comedy blogs especially for Notaries which sometimes strike a chord. We have keyword fees for various notary terms, not to mention categories on the right of our blog where you can browse all types of technical and non-technical notary issues.

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See our string on the term: Acknowledgment
http://blog.123notary.com/?tag=acknowledgment

Jurat

Humorous Posts

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Notary Technician or Flub A Dub?

Filed under: Ken Edelstein,Technical & Legal — Tags: , , — admin @ 4:21 am

As a notary professional you are expected to “know your stuff”. But, exactly what knowledge does knowing your stuff comprise? The obvious first component is your states’ notary laws. Yes, they vary from state to state, sometimes county to county. Commonwealth and Parish; the same. You must know your local laws; REALLY know them. Start with the “become a notary” study guide if your area offers such a document, then read the actual statutes. Confused by the “legal mumbo jumbo” – then ask the ones who issued your license for clarification. They want you to follow those regulations, and will answer questions. The laws change. You need to review them at the very least twice a year; all of them – to find the changes. In New York State it’s prohibited to notarize a civil deposition on a Sunday. Break this rule and when the document is thrown out; then someone will want compensation. My E&O will offer sympathy but not coverage.

“Sworn to and Subscribed….”, note the first two words. Do you just ask “something” such as “is what you signed true?”, or do you use verbiage mandated by your jurisdiction. I know, the “raise your right hand” is done only by a small fraction. But the oath!

Do you always carry a tiny pocket notary stamp? They are available about the size of a pack of gum. In addition to fitting into a really tight spot; you will be able to notarize most documents (even though embossing is best) without your full “notary kit”. Mine snaps open with a press of the thumb and is very light. They do require practice to affix a clear and proper image.

Most of us know enough to decline to include a few additional ACKs not related to any specific signature. But the ACK on the page following the signature (unless “locked down” by page number, loan number, etc.) – is exactly that. Do you know how to associate your notarization with a specific signature when necessary? Half an (additional) notary stamp on each page is one technique that works for me.

Certification of Copy requests are common. But, in some states it must be your clients’ statement as to the accuracy of the copy; that’s the rule in NY. It is also prohibited in NY to notarize (no matter who makes the statement) copies of Birth, Death and Marriage certificates. The state sells these in a tamper resistant format and forbids notaries from notarizing photocopies. Do you know the “no no” list as to photocopies in your area? Educational documents are also difficult.

Do you know how to obtain an Apostille? Every Secretary of State, under the authority of the US Secretary of State issues them. It’s often hard to find the procedure on the internet. It’s an easy revenue stream as many are frustrated when they try to do it themselves. Some nations, the UAE for example, require an “Apostille” issued at the Federal level. Do you know how to obtain it quickly? Do you know why the word Apostille is in quotes when discussing the Federal level?

As a http://newyorkmobilenotarypublic.com mine is a particularly demanding market. The work varies from simple signings to complex foreign documents that must be processed in a manner to meet the local laws, and be acceptable at their foreign destination. Your ability to process the unusual and complex leaves a lasting impression. Those who only know how to stamp and sign will be relegated to the lowest profit simple assignments. Learn more leads to earn more.

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And drop off the package
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Trouble getting paid? Have you tried our demand letter from hell?

Notaries complain all day long about how hard it is to get paid. The new complaint is that there are companies who will pay promptly, but not unless you bug them around 30 days after the signing. But, what about companies who just won’t or just don’t pay? First of all, research all signing companies on 123notary.com/s or Notary Rotary BEFORE accepting a job from them. If you work for known offenders, you will likely not get paid. Asking for paypal up front works for certain experienced notaries, but might not work for you. It is worth trying. But, what about after the fact?

Use our letter from hell!
Our letter from hell threatens signing companies in all sorts of horrifying ways that makes their skin crawl. This letter was composed based on the advice from many of our most seasoned veteran notaries from around the country. If this doesn’t get them to pay, they are either completely out of business. There is no 100%, but our letter comes as close to 100% for getting you paid that exists.

Testimonial

Just to let you know, your letter works and got me paid for a signing I was ready to write off.
Erwin

We have received other testimonials, but we didn’t publish them, and they are lost somewhere in my email account!

Links

Scary results when someone uses our demand letter from hell
http://blog.123notary.com/?p=2006

Template for our famous demand letter
http://www.123notary.com/howto-get-paid-signing-agent.htm

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January 9, 2011

Venue — Definition

What is a venue in a notarial context?
The venue is a place in a notarial certificate where the state and county (or parish, burrough, or unincorporated city) are documented. This typically appears at or near the top of a Notary certificate or the top of the Notary wording embedded in a document.

State and county of venue
The state and county that should be recorded would be the state and county where the notarization took place and NOT where you reside, and not the county where the notary is commissioned. Sometimes you might not know what county you are in, so please find a way to look it up as this is a legal matter.

Where are venues used?
Venues show up on Notarial certificates (notary certificates) such as Acknowledgments, Jurats, Proof of Execution, etc. The venue is normally left blank and for the Notary Public to fill in. You might see:

State of _______
County of ________
and an “s.s.” somewhere in the venue section as well.

Keywords:
Acknowledgment Venue
Jurat Venue
Notary venue symbols
Notary venues
Notary venue
Notary with jurat and venue
Two signers on document different venues
Does venue correspond to notary stamp
Notorization venue
Notarial venue sample
Notary Public venue
State and county of venue means
The venue in a notary certificate is
The venue of a notarial certificate
Venue description notary jurat
Venue on a notary
Venue on a notary certificate
What is a venue in reference to a notary
What is an acknowledgment venue
What is venue when notarizing
What is venue on a notary document
What is venue on a notary certificate?
What does state and county of venue mean?
What is venue when signing a notary
Venue portion of notarization examples
Venue and notary
When dealing with a venue on an acknowledgment statement, what shoudl the notary list in the blanks.

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Venues explained in the 30 point course
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Venue — legal definition
https://dictionary.law.com/Default.aspx?selected=2216

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