Technical & Legal Archives - Page 12 of 14 - Notary Blog - Signing Tips, Marketing Tips, General Notary Advice - 123notary.com
123Notary

Notary Blog – Signing Tips, Marketing Tips, General Notary Advice – 123notary.com Control Panel

November 14, 2011

Power of Attorney Signings

Power of Attorney Notary Signings
 
It is common for notaries to get a job notarizing a signature of a grantor on a power of attorney document.  It is also common for a signer who is the attorney in fact to sign documents in their official capacity as an attorney in fact.  The problems is that most notaries haven’t a clue how to handle this type of common, yet critical situation. 
 
Types of powers of attorneys
First of all, as a notary public, you are not required to understand the contents of the document.  For an acknowledged signature, the signer should be named in the document and should sign it.  Other than that, you just need to be sure the signer understands the document, and you shouldn’t have any indication that the document is fraudulent (how would you know anyway?).  Their are banking powers of attorney, durable powers of attorney, health care powers of attorney, and living trusts which are a sort of power of attorney. There are other types too, but these are the most common ones.
 
What does a notary need to know about powers of attorney?
You need to know who a grantor and grantee is.  You need to know who an attorney in fact is (= the grantee).  You need to know how the attorney in fact signs a document.  You need to know that California notaries must take journal thumbprints when notarizing signatures on powers of attorney.
 
 
Is the form I am using acceptable?
Notaries may NOT recommend particular power of attorney forms, nor should they assist in filling them out.  The notary should look for blanks, and refuse to notarize if there are any blanks in the document.  It is not a crime for a notary to have blank standardized power of attorney forms in their briefcase, so long as they make it clear that they are not giving legal advice and not recommending the use of those forms.  You might tell the client that they should check with the document custodian (whomever they are submitting the documents to), to see what type of paperwork they will accept.  What is legal, and what is acceptable to the recipient are often two different things.
 
Banking power of attorney
Most banks have their own power of attorney form which is on card stock and leaves about half an inch to squeeze your two and a half inch wide notary seal (how educated of them!).  If asked to notarize a banking power of attorney, just do what the client asks within the limits of the law, but for your knowledge, you should be aware that the bank may not accept a power of attorney that they didn’t draft and that the client might be advised to check with the bank before doing any business with a notary public. 
 
How does an attorney in fact sign?
The person who has been granted special powers from a power of attorney is the grantee or attorney in fact.  They can sign in two ways that I am aware of.  If the grantor is John Doe, and the attorney in fact is Sally Smith, here is how Sally signs on behalf of John.
(1)  John Doe, by Sally Smith, his attorney in fact
(2) Sally Smith, as attorney in fact for John Doe
 
Power of attorney documents at a loan signing
Whether or not the loan will be accepted is hard to say.  However, many lenders will require a copy of the power of attorney to accompany the documents. 
 
Acknowledgment Forms
Some acknowledgment forms allow the notary to identify the capacity of the signer.  One of the standard check boxes on an acknowledgment certificate form is for attorney in fact, and other corporate offices are sometimes mentioned as well.

You might also like:

Index of posts about Power of Attorney
http://blog.123notary.com/?p=20255

How do you get a Power of Attorney Document?
http://blog.123notary.com/?p=20785

Notarizing Documents for the Elderly
http://blog.123notary.com/?p=3334

Notarized Affidavits Information
http://blog.123notary.com/?p=1963

Bank of America Power of Attorney Form
http://blog.123notary.com/?p=21327

Share
>

November 13, 2011

Can a notary witness a will or notarize one?

Can a notary act as a witness to a will — Can a notary notarize a will?
 
This is a very difficult topic to write about because notary law differs from state to state, and notary laws change over time as well in particular states.  As a general rule, a notary public is discouraged from notarizing signatures on any will.  If you are a New York Notary Public, you should probably avoid notarizing signatures on Wills under any circumstance since standards for what constitutes unauthorized practice of law in New York State for a New York Notary Public are more stringent than many other states.  I heard that notarizing a Will as a New York Notary might be considered practicing law. However, in many states, a notary can notarize signatures on a will — even though it would be meaningless.  Utah notaries are encouraged to notarize signatures on Wills if asked to since it is illegal to turn down any lawful request for a notarization. But, what about acting as a witness?
 
A notary can act as a witness, but in their capacity as an individual.
Unless your state prohibits a notary from being a witness (  have never heard of such a restriction, but it could exist), a notary can be a witness.  A Delaware Notary Public can act as a witness as an official Delaware notary act and charge a prescribed maximum notary fee.  However, in other states, a notary public may act as a witness, but in their capacity as an individual — or at least it would not be done as an official notary act recognized by their state.  On the other hand, the notary acting as a witness can also indicate that they are a commissioned notary in their state which adds credibility.  Notaries are screened before being commissioned in their respective state which makes them perhaps more credible than an average citizen (you would think).
 
Unauthorized practice of law — what does this mean?
I am not an attorney, and can not give any meaningful tutorials on what unauthorized practice of law constitutes.  As a non-attorney notary, you should avoid giving any type of advice about what type of notarization to get, what type of legal paperwork to get, or how to fill it out.  You should not draft legal documents in any state (documents to be used in court or submitted to a judge or used in conjunction with any court case).  You might be able to assist in drafting non-legal documents in many states that are to be notarized such as simple affidavits, etc.  A Florida notary public is strongly advised against helping drafting any type of documents since laws in their state are more strict about what type of advice a notary may give.  In short, each state has a different idea of what “UPL” means.  To play it safe, please read up on what your state notary laws are, and don’t draft legal documents, and don’t give advice on legal matters.
 
How many witnesses do you need for a Will?
It is standard in California, New York, Ohio, Arizona,  and  most other states for a Will to require two witness signatures. I read on findlaw.com that Vermont requires three witnesses to sign a Will.  Witnesses must be 18 years of age or older in any state.  A notary can be one of those witnesses.
 
How do you document witnesses?
It is not a crime for a notary public to notarize the signatures of witnesses on a will, although it is improper to notarize the signature of the principal. It is always helpful for the witnesses to print their name, give their address and a phone number as documentation. You never know when they might need to be contacted.  By having witnesses’ signatures notarized, the notary has a record of the identification of the witnesses, and a prudent notary would also record their adress and maybe even their contact information.
 
What is it like to act as a witness to a will?
I have done this many times.  It is a very boring, but traditional formal proceeding. It is common to have an attorney present, a few neighbors or friends, and perhaps even a bottle of wine (for after the signing).  Everyone commonly gathers around the dining room table. Once everyone is there, then the attorney might give a quick speech, and then the principal signer signs, and then the witnesses sign in their appointed places.  Afterwards, there is lots of chatting generally. Or, you might meet in the conference room of a law office and do it there (less fun).  Many people consider a notary to be a better quality witness since they deal with signing documents as a profession and they take signatures more seriously, so I got many gigs as a witness.  I took it very seriously and watched very intently every time a signer signed!
 
You might also like:
 
Information about Credible Witnesses
 
Can a notary be a witness?
 
New York Notary search results

Share
>

November 11, 2011

Notary Journal Thumbprints – they can save your neck!

Notary Journal Thumbprints
 
How adamant are you about taking journal thumbprints?  As a California notary public, you are required to take notary journal thumbprints for deeds effecting real property and power of attorney documents.  Notary thumbprint taking is a serious business and can keep you out of court.
 
Taking precautions as a notary
I have written other blog posts about precautions that notaries can take.  Notaries can use an inkless embosser in addition to an inked seal.  They can emboss every page of every document they ever notarize as a precaution against page switching which is a common crime that takes place after multi-page documents have been notarized. Taking a precaution of taking journal thumbprints is smart also, and can keep you out of court.
 
Suspicion of identity fraud
Let’s say that you notarized a signature on a document and that someone involved in the transaction suspects identity fraud.  The first thing they will do is to track down the notary who notarized the signature on the document and start asking questions about the signer. You will not remember the signer well, unless you took notes in your journal about what they looked like, how they acted, how old they were, etc.  But, if you have a thumbprint, that is absolute proof of the signer’s identity.  No two thumbprints are identical, and you can’t fake a thumbprint (forge a thumbprint) in front of a notary.
 
The investigation ended once I produced a thumbprint
If someone questions you about a particular notarization, and you say you have a journal thumbprint, the investigation might just end right there.  It happened to me as a California notary public during my first four year term. I saved myself from a potentially long visit to court.  I got a phone call from someone investigating fraud.  Someone had cheated some elderly people whom I had notarized.  One of the documents used to allegedly cheat them had been notarized by myself in my capacity as a California notary public. Since I had a journal thumbprint, the identity of the signers was no longer in question.  The person said they had no further questions the minute I told them I had a thumbprint. They didn’t even want a copy of the journal entry with the thumbprint.
 
Weak thumbprints with the elderly
The flaw of thumbprints are that elderly people often lose the tread on their fingers.  I am talking about really old people, perhaps in their eighties or nineties.  There is nothing you can do in that case, but at least you have a print, no matter how featureless it is. Personally, with signers over eighty, I recommend a retinal scan, which is not possible for a notary to take in 2011, but maybe in 2015… we can always hope.
 
Regardless of your state of commission
Whether you are a Florida notary public, a California notary, or notary in another state, if you are notarizing signatures on a power of attorney or real estate deeds, get a journal thumbprint whether it is required by law or not. That thumbprint could save your neck.  It is not a bad idea to require signers to give thumbprints for all documents and even oaths or affirmations.  It keeps them honest.  The minute they start making excuses why they shouldn’t have to be thumbprinted, that is suspicious behavior, and you might want to refuse service to them.
 
Bring wipes!
Don’t forget to bring wet naps or wipes of some sort.  It is polite to have something for the signer to wipe their hands off with.  Even with the NNA’s inkless thumbprinter which is a product I always had several backups in stock of, you should offer a wipe.  I strongly recommend having at least one inkless thumbprinter in your notary carry all bag!

Please visit our notary search page to see our notary public California page and notary public Florida page!

.

You might also like:

Thumbprinting in Texas
http://blog.123notary.com/?p=19672

Multiple title companies told Notaries NOT to thumbprint?
http://blog.123notary.com/?p=19461

Notary Public 101’s guide to Notary Journals
http://blog.123notary.com/?p=19511

Thumbprint taking step by step
http://blog.123notary.com/?p=1689

Share
>

November 10, 2011

Notary Procedure for Affidavit of Support Documents

Affidavit of Support and the Notary Procedure
 
Notaries who are not immigration experts are strictly forbidden from giving any type of advice regarding immigration.  However, it is common for individuals going through the immigration process to have documents that need to be notarized by a state commissioned notary public.  The Affidavit of Support is the most commonly notarized immigration document.  Any currently commissioned notary with jurisdiction in your state can notarize your signature on that document. There is no such thing as an Immigration notary, or Immigration notariation, but any notary can notarize signatures on basic immigration documents.
 
How do I get an Affidavit of Support notarized?
Just for the record, you get a signature notarized, not a document.  Affidavits of support typically require a Jurat certificate or the type of notarization known as a Jurat.  This requires a quick oath to be given to the signer by the notary public.  The oath only takes half a minute.  The notary would need to check the identification of the signer (this applies to most states).  The notary public would record the identification document’s information in their journal (most states require a journal). 
 
Identification
The ID could be a current drivers license, passport, state ID card.  The ID should be a current government issued photo ID with a physical description and signature.  Green cards are typically not allowed as identification to be notarized.  Foreign driver’s licenses are generally okay, and passports are acceptable.  Make sure to check with the notary you are going to use to see if your choice of identification will be okay.  Make sure your identification is not expired.  Some notaries will allow the use of credible witnesses as well.
 
The Oath
Have you ever sworn under oath before?  Its easy. Just raise your right hand and say, “I do”. It’s the notary’s job to ask you to raise your right hand, and its their job to create some wording for the oath too.  They might say, “Do you solemnly swear that the contents of this document are true and correct and that you agree to and will abide by the conditions in this document?”.  Just don’t mumble when being given the oath.  Speak clearly please.
 
No English? 
If the signer doesn’t speak English, most states do NOT allow the use of a translator.  The signer must be able to speak directly with the notary public.  So, for example, if the signer speaks Spanish, just find a bilingual notary public who knows enough Spanish to be able to converse with the signer about the document and the signing. The bilingual notary doesn’t have to speak the language perfectly, but enough to communicate adequantely with the signer.
 
Immigration Advice
Do NOT ask a notary public for immigration advice, unless they have evidence that they are an immigration professional in some official capacity. Notaries are not allowed to give any type of legal advice.  Additionally, notaries can not draft legal documents, although many states allow them to draft less formal documents.
 
Where do I find a notary?
You can find a mobile notary on www.123notary.com, and there are bilingual notaries speaking almost every language on the planet from Arabic to Zulu.  Spanish is by far the most common foreign language for notaries to speak, but 123notary has many who speak all other types of languages.  If you want to find a notary office, try your local UPS store. They can be found on google.

.

You might also like:

2016 version – Affidavit of Support
http://blog.123notary.com/?p=17528

Affidavit of support and direct communication with the signer
http://blog.123notary.com/?p=7084

Modern Family – An Affidavit of Citizenship & Affidavit of Domicile
http://blog.123notary.com/?p=10989

Share
>

October 14, 2011

Notary Carry All Bag

Filed under: Technical & Legal — Tags: , — admin @ 8:02 am

A few years ago we were selling the NNA’s Notary Carry All Bag. I used this bag during my entire notary career.  It had a little pouch or compartment for just about everything you could imagine.  There was room for my journal, acknowledgment pads, jurat certificate pads, seal, embosser, pens, and more!  Unfortunately for me, I was not able to sell more than a handful, but NNA sells them and will ship them for you!
 
For mobile notaries, I highly recommend getting a small bag with a small lock to lock the two little handles for the zipper together.  NNA’s notary carry all bag comes with a tiny lock and key, so that you can fulfill the California notary public rule of keeping your seal and journal under lock and key!
 
I kept this bag in my trunk, since I was always on the go as a mobile notary.  Unfortunately, on one forbidding evening, I went to the gym.  My mind was racing with all types of uneasy thoughts as I pounded my feet on the treadmill.  I spent an hour or so at that gym in Rosemead, CA.  And then, when I went back to my car — it had been broken into, and my notary carry all bag was missing, along with a few other items that would be worthless to the ignorant crook who stole them. I went to the police department, and filled out a report. They were very rude to me.  So, after that event, I kept this little bag safe and sound behind a huge plastic crate of emergency supplies which I keep in my car in case there is an earthquake.  We are in California after all!  I wrote to Sacramento, to our Secretary of State notary division to tell them about my tragedy. I had a new seal, bag, and embosser in about two weeks and was back in business.  Ouch!! That was a terrible experience.
 
The moral of the story is that a carry all bag is essential, but keep it in a place where the crooks can’t find it.  Have hidden place in your car where nobody would look except for you — and perhaps homeland security!!!

Share
>

March 3, 2011

Mobile Offices from A to Z

Mobile offices and their advantages
 
One of our notaries in Maryland commands higher prices for his loan signing services due to his expertise in signings and also because he has a mobile office which facilitates last minute notary jobs and last minute quick changes to documents.  This notary has state-of-the-art equipment that comprises his mobile office in his pickup truck.  He has a scanner, regular sized printer, laptop, extra toner, paper, a special inverter, cables, a powerful alternator, and extra heavy duty fuses.  His internet connection is courtesy of Verizon Wireless Broadband.  Additionally, he considers it really important to have a really powerful battery because the equipment puts a heavy load on the battery.  Another interesting fact is that he uses a police squad laptop holder so he can work comfortably while in the drivers seat.   He prints by putting the printer in the back seat.  His wires are directly wired to the car’s electrical system instead of using a plug in that would go in the cigarette lighter.
 
What are the technical issues of a mobile office?
This notary started his mobile office in 2004.  He has lots of experience with mobile offices and the issues related to them.  He claims that someone with a regular car might not have enough battery or alternator power to handle the load of a laser printer.   He used to blow fuses to do overload, but learned that buying top of the line heavy-duty fuses and having a state of the art alternator he could handle the demands of the job.  Our Maryland notary public learned that it was not technically feasable to run a printer and laptop simultaneously using his mobile office.  So, what he does is to put the laptop on battery only while printing documents
 
Printing
With a mobile office, a signing agent can download documents while you are driving.  Imagine the time you can save multi-tasking.  Our Maryland Notary Public uses a regular sized printer without any issues.  However, the printer gets hot, so a firewall is necessary.  He uses wood covered by velcro to make sure that no fires are created when he places the printer on a seat or on the floor. 
 
How does this help his business?
You can get more money for signings having a mobile office because you can do last minute quick prints of last minute documents.  Imagine that the lender has a quick change to the Settlement Statement or other critical document.  No problem, it can be reprinted at the signing.  What if there is a quick name variation change, or change for a critical figure in the loan.  Again, this is easy to printout at the last minute.  Many loans have to be completely rescheduled due to the notary’s lack of equipment, but not if you have a mobile office!
 
What does it cost?
You could spend $2000-$3000 for a mobile office.  The inverter is about $100 and thats critical for good electrical flow.  Scanners and printers a few hundred each.  The biggest expense is the laptop, and those can run anywhere from $500 to $2000 per unit.

Tweets:
(1) One of our notaries commands a higher fee simply because he has a sophisticated mobile office!
(2) Having a mobile office is perfect in the “unlikely” event that a lender sends you docs late when ur on the road.
(3) You could spend up to $3000 for a really good mobile office. Don’t forget to start w/an inverter!
 
You might also like:
 

Erica’s mobile office story

Share
>

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

Share
>

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

Share
>

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

Share
>

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!

Share
>
« Newer PostsOlder Posts »