   | Welcome to the Notary Talk General Discussion Forum. Before posting, please read the  |
Msg #623158
3 replies | Employment Tax Deferral | By MariaMO on 8/17/20 6:49am
We are eligible to defer 50% of net Social Security tax for March-December 2020.
https://www.irs.gov/newsroom/deferral-of-employment-tax-deposits-and-payments-through-december-31-2020
Item 21 begins the discussion of self-employed individuals.
|
| Msg #623153
9 replies | New Signing Agent. Long work history | By Notary - Themis on 8/16/20 8:46pm
Retired from healthcare administration right before the pandemic hit. Became a notary in Dec 2019 and NSA in July. Passed the exam without open book because I believe if I don't know it, I shouldn't do it. Yes, I'm new, but have over 35 years of professional experience, am a solid, dependable worker and get the job done. Yet, all I'm getting are offers from C2C for partial claims/loan mods. Will some of you look at my profile and tell me what you think I can do to have companies contact me for full signings? I would appreciate your help so I can get experience and improve. Thanks.
|
| Msg #623145
8 replies | Anyone else hearing this? | By kcg on 8/16/20 3:48pm
2nd time in one week a borrower told me when I called to confirm that they were told all the docs were signed online and there were only a couple documents that had to be signed.
First one, I called title right away...she said not so. It's a full package so not sure why LO told the borrower this.
Reached my borrower for tomorrow. She said the LO set up our signing at a UPS store because IN now requires a witness and an employee can sign that. Really? Seriously? Somehow I doubt that UPS is allowing their employees to sign as witnesses. Also, this is a very small store with no areas to spread out to sign. Borrower was told she signed everything online and would only have 2 documents to sign.
Is anyone else hearing that all docs signed online so only a couple need to be signed? I thought it strange that this happened twice in one week, different lenders.
|
| Msg #623099
26 replies | Legal paper issue revisited | By JustANotary on 8/15/20 2:48pm
A long time ago I posted that I had quit using legal paper, and that I was getting away with it. But, at the time I was doing 90% reverse mortgage signings. Now I am doing tons of forward loans, and I am still printing on letter paper! I had one SS company (BBS) not pay me because they said I "broke the rules" but they would never answer emails or phone messages saying what rule I broke. It was probably about the paper size. I now occasionally print on both letter & legal, but only if the lender is really emphasizing the point, or if I start printing & the page is being shrunk to a great extent. So, after about a year of printing on letter size, I would say that you will get away with it about 99% of the time.
|
| Msg #623084
18 replies | I had an interesting experience yesterday. I had been asked | By  MW/VA on 8/15/20 10:40am
to help out at a real estate attorney's office yesterday afternoon.
It was a good gig. I met with clients in their conference room.
They are, however, doing car signings. With Covid, they are having clients come to their office, give them tabbed docs to sign in their car, and then retrieve those. I found that shocking.
I know this kind of thing has been discussed here.
Hey, they're attorney's--I'm not going to begin to tell then I wouldn't think that was legal! LOL
|
| Msg #623076
7 replies | Launch of the Notary News Channel | By droman_IL on 8/15/20 2:50am
The Notary News Channel has officially launched! After trying to find the right social media platform for my company, Roman Endeavors Inc, I am ecstatic to announce the launch of the Notary News Channel! The Channel is a forum for all things Notary, and some things not! It’s a platform for educating, communicating, and disseminating information for entrepreneurs who aspire to higher levels of professionalism and a better quality of life. We invite Notaries and other entrepreneurs to tune in and find out how you can be featured on our Channel and promote your business for FREE! Please watch and share!!
https://youtu.be/6S-MjD0d8Hg
|
| Msg #623070
15 replies | anyone out there? | By aanotary on 8/14/20 10:19pm
got a late wells fargo refi appt- property is in a trust- I emailed title but of course it's late& no one is available. Not sure if I should have her sign with " trustee" where printed after her name- if anyone knows what well fargo is looking for? thanks in advance
|
| Msg #623069
12 replies | signing/title company doesn't call after docs are filed. | By Ink_Hoarder1 on 8/14/20 9:45pm
Hi everyone! I'm new to the signing industry and have done 6 signings (2 refinance, 1 VA loan, 1 purchase, and 1 quitclaim deed) and i was curious, is it normal to not be called when the documents are filed successfully? I understand they don't concern me, i just wanted to ask since it is nerve racking not knowing if they were filed correctly ( even though i have read through the documents multiple times and asked all questions before the signing) and if something is wrong, how long is an expected wait time before i receive notification that I made a mistake on the documents. Thanks again everyone, and i also want to thank you, all the information on this forum has helped me tremendously!
|
| Msg #623064
3 replies | Strange offer from Notary ASAP | By Mills Mobile Notary Service on 8/14/20 8:33pm
Any clue what this offer is about?
Few forms - Court Order Chemo Patients/Door knock apt. Est. pages 12.
I got 2 offers today with this wording, one for $50 and another for $100. Different cities. Not sure if door know apt. is an unannounced appointment or not. I declined both since they seemed fishy. But Notary ASAP is a 4 1/2 star service.
|
| Msg #623063
0 replies | Strange Offer n/m | By Mills Mobile Notary Service on 8/14/20 8:27pm
|
| Msg #623053
7 replies | Partial Claim? (Coast 2 Coast) | By Mickey_Fan on 8/14/20 2:42pm
First of all, WHAT is a "Partial Claim"???
I keep getting these ridiculously low-ball offers:
Are you available for signing for TBD at (CITY)?
OPEN DATE AND TIME, SCHEDULE DIRECTLY WITH SIGNER, SIGN WITHIN NEXT 7 DAYS.
PAGE COUNT: 11-35 PAGES
Notary Fee: $30.00
Type: Partial Claim
$30 doesn't drive my car out of the driveway, much less to a town about 20 miles from me.
Anyone else getting these from Coast 2 Coast?
|
| | Msg #623045
14 replies | Just came in | By Luckydog on 8/14/20 9:55am
Stewart Title Lender Service
$75.00 refi w/ full scan backs
Wells Fargo 200 pages x 2
Vendor pay...Who's on board??
Blocked for insulting me with their fees offered and told them as much. Everyone should be doing the same.
|
| Msg #623043
2 replies | Acknowledgment - loose certificate clarification | By Yoli/CA on 8/14/20 9:52am
In Msg #623003, poster says: "For those of you who say that replacing an acknowledgement with a loose certificate, if that is true why does the county accept them & record using them? Again, I would be very cautious in this situation, but I don't think that means that one should never use a loose certificate."
An Acknowledgment can be the same thing as a loose certificate. Let's say you're notarizing John Doe's signature. An Acknowledgment can be on the same page as the Mr. Doe's signature or his signature and notarial certificate can be on separate pages. Doesn't matter. If the notarial verbiage is not compliant (in our case with California required wording), we attach a loose certificate with the correct wording. A "loose" certificate is one that is not on the same page as any of the document's contents. You can generate your own (provided it's compliant) or you can use the fillable one on the SoS's website. The notarial certificate is wherever the notarial verbiage, notary signature and notary stamp is affixed.
If a replacement notarial certificate is needed (i.e. original is lost, destroyed or there is an error on it), notary meets with signer again and generates a new notarial certificate with date of this last meeting with new entry in journal.
IT IS PERFECTLY ALLOWED AND LEGAL TO USE A LOOSE CERTIFICATE. It is not legal to generate a notarial certificate for any other date that is not the date you generate that certificate and meet with signer. Never backdate or postdate.
The same holds true for a Jurat. Only differences are that signer must sign document on date of notarization and an oath must be administered.
|
| | Msg #623012
2 replies | "I need a notary with a Hague agreement" | By Expeditor on 8/13/20 1:04pm
This Lady had a no show this morning by a notary with a Hague agreement. That's right, and she wouldn't even listen to why that not possible. What are you guys telling those poor people?
|
| | Msg #623000
6 replies | A few things I learned after buying digital certificate | By VT_Syrup on 8/13/20 10:50am
I've been trying to learn about digital certificates and esigning for a variety of reasons, although it is not yet allowed for notarizations in my state, Vermont.
I got a certificate from IdenTrust, the least expensive one I could find that includes my name in the digital certificate. It cost $118 for three years. There are cheaper certificates around, but those would only include my email address, not my name.
I plan to use it to sign various electronic forms from organizations that I volunteer for. Since paid employees for these organizations are spread very thinly on the ground indeed, they do everything electronically; I don't recall sending any of them a piece of paper in more than a year.
Lesson 1. The process isn't trivial. I had to call support because Adobe Reader was marking my new certificate as invalid. They helped me solve the problem by deleting a stale IdenTrust root certificate from the list of certificates my installation of Adobe Reader trusts, and instead trusting an updated certificate.
Lesson 2. DocVerify and Notarize make the notary upload both the secret key and the public key to their platform, so the notary's signature is actually applied on their platform, not on the notary's computer. So in the paper world, the equivalent would be sending them a signature rubber stamp to them and telling them they could use the stamp when you tell them to. (I did not, and cannot, sign up with either platform, since my state does not yet allow enotarization). My conclusions are from reading their documentation and talking about it briefly with IdenTrust support.)
Lesson 3. Some digital certificates are TOO GOOD for DocVerify and Notarize. The certificate I bought is at what IdenTrust calls the basic assurance level, and it is a software certificate. A basic certificate checks public records to see if I really was who I claim to be. This is similar to the background check that NNA does, except that only the identity is verified; there is no criminal record check. Software means it's stored in the Windows certificate store, and can be exported with the secret key. It can be imported into lots of places, like Adobe products and the Firefox browser. It can also be uploaded to Notarize or DocVerify.
Lesson 3 continued: The next level up costs about $300 for three years. It is what IdenTrust calls medium assurance level. In addition to the checks for basic assurance, I would have to print out an enrollment application, take it to a notary, swear or affirm before the notary I the form is truthful, show a photo ID from IdenTrust's list (even if I personally know the notary), sign the form, and have the notary complete the jurat.
In addition, I would be required to use a hardware device to store the key. One option looks like a thumb drive and plugs into a USB port. The device would come in the mail. I would install special software from IdenTrust than knows how to talk to the device. I would plug my device in, go to the IdenTrust site, enter my account password, and create a separate password to use the device. The device would then talk to IdenTrust, and the secret key would be generated inside the device; the public key would be provided to IdenTrust so they could certify it.
The secret key can never be exported from the device. The only way to sign anything is to have the device plugged into the computer being used for the signing. Since the secret key can't be exported, the certificate with superior security cannot be used with DocVerify or Notarize.
|
| | |
|
