Posted by SharonMN on 8/9/06 10:48am
Msg #137778

NotRot Journal

I have a question about the NotRot journal format. It looks convenient and I'm thinking of getting one when my current journal is used up. I'm in MN so I have no law saying I need to keep a journal at all, so any format works for me. But I'm wondering about the legality of the checkbox format for other venues. If I list the documents one per line in a regular journal (e.g., Mortage, Sig Affid, Compliance Agr), and have the borrower sign each line (or sign diagonally across several lines), there is no doubt that the notarization was in fact completed. However, if I have the borrower sign the NotRot format journal with those three documents checked, the entry can easily be altered later to include additional documents by checking more boxes. Thoughts?

Reply by Brad_CA on 8/9/06 10:53am
Msg #137783

You are the only one that has control of your journal. You are not to let it out of your sight. You must keep it secure at all times. If your journal gets altered, you would be the one doing the altering. Not saying you would. The NotRot Journal is the very best journal on the market.

Reply by SueW/Tn on 8/9/06 11:15am
Msg #137788

completely agree with Brad! n/m

Reply by SharonMN on 8/9/06 1:30pm
Msg #137839

NotRot Journal

Of course my journal is safeguarded, but in some cases the notary MIGHT be the one doing the altering. I was just thinking that the NotRot style journal would be less useful if, for example, TC says "You didn't notarize the mortgage." You can say, "look here at my journal" but with the checkbox format, the borrower doesn't specifically sign off on each item so the notary could have added the mortgage checkbox after the fact. I suppose at some point you just have to trust that as public officials, we'll all do the right thing!