Posted by Anonymous on 12/21/05 11:40am
Msg #83868

is this backdating ?

I was getting package ready in the morning for shipping. Spilled coffee on a couple of docs (1st cup and wasn't fully awake). I will print copies of the 3 documents and have borrowers resign at lunch. If I am replacing a document, can I use the original date (yesterday). Or, is that technically back-dating?

TIA

Reply by PAW_Fl on 12/21/05 12:36pm
Msg #83890

Where are you? These types of questions are usually state specific. And who are you? You would be better to identify yourself so you would get more and better answers.

Reply by Anonymous on 12/21/05 2:40pm
Msg #83919

You would be completely fine to fix this error, and date as the original signing date

Reply by PAW_Fl on 12/21/05 5:26pm
Msg #83944

Wrong answer ...

... in some jurisdictions. That's why it is so important that a location (i.e. state) be provided.

Reply by ReneeK_MI on 12/22/05 4:00am
Msg #84046

I forgive you the anon on this one =) I can appreciate your desire to have things absolutely perfect, but if those 3 pages are NOT any of the 'legals' and they don't look too bad, I wouldn't beat yourself up over it. Spotted docs from spills are something lenders see ALL day long. Unless it's really awful, or it's one of the legal/collateral docs, it's probably not worth driving all over town to have re-done. I guess what I really mean is - YOU probably care more than anyone ELSE is going to. I'd own it, I wouldn't lie or blame on borrower - but honestly, it's very common.