Thursday, August 21, 2014

13 Notarial Errors Your Notary must Avoid here in Monroe NC

     13 Notarial Errors Your Notary must Avoid here in Monroe NC



Your notarial certificate will be scrutinized when a document that you
notarized is presented to your state’s authentications office with a request for
authentication of your signature. The state’s authentications office will examine
your work to assure that you performed the notarial act properly.
The presiding notary will almost certainly be reprimanded if the document
does not qualify for an apostille due to a notary error. The following notarial errors
will disqualify a document for authentication:

1. The notary did not sign the certificate.

2. The notary’s seal (if required by the notary’s state) is missing from the
certificate.

3. The notary’s signature is not the same as the signature on file.

4. The certificate is missing and the notary simply stamped and signed the
document without including the proper notarial certificate language.

5. The certificate language does not comply with the notary’s state laws.

6. The certificate is not completed properly in any manner.

7. A completed notary certificate is attached to a document that has not
been signed.

8. The document is not signed by the signer and an unsigned certificate is
attached that bears a notarial seal.

9. The information on the notary’s seal does not match the information
on file.

10. The seal, if required, is incomplete, illegible, or is not the right color or
type of seal in accordance with the notary’s state laws.

11. The notary’s certificate bears a date that shows evidence that the signer
signed the document after the notary executed the notarial certificate.

12. The notary’s seal shows that his or her commission as represented by
the date(s) on his or her notarial seal was expired when the seal was
used.

13. The notary’s seal shows that his or her term as represented by the
date(s) on the notarial seal had not begun when the document was
notarized.

It is vitally important to understand the steps to proper notarization and how
to avoid the errors listed above. This list is not all-inclusive. It does not account
for deliberate acts of fraud and there may be other errors that can cause a state’s
authentication’s office to reject a notarial act. Be informed, deliberate, and
thorough!

Monday, July 28, 2014

The Notary’s Best Defense in Monroe NC

 The Notary’s Best Defense 

Maintain a Notarial Journal— the Notary’s Best Defense
The notary journal can contribute significantly to the safety, defense, and protection of the Notary, and may prove vital if the Notary is ever required to testify in court about a particular act.
The journal helps prevent fraud, as the signer will be unwilling to sign a journal if his intent, for instance, is to commit forgery. The properly completed journal entry can provide proof that the Notary acted according to law and proper procedures in performing the act in question.
The journal is a Notary’s strongest defense against claims of wrongdoing, and can also serve to remind the Notary of key points to the procedure that are required. The journal should include the following information:
  • the printed name and signature of each signer present
  • the signer’s home address and phone numbers (do not use post office numbers for an address)
  • the method or documentation that was used to prove identity, including ID numbers (be certain to observe carefully the photo and signature of the signer before you and compare to the identification document)
  • if identity is proved by a credible witness or witnesses, the home addresses and phone numbers of the witnesses
  • if the signature required witnesses, the home addresses and phone numbers of the witnesses
  • the date of the instrument notarized as well as the date of the Notary act; (Note: the notarial certificate must bear the date notarized. The document may be dated a past date or the current date, but never a future date)
  • a brief description of the instrument
  • the type of Notary act (oath or acknowledgment)
  • any fees charged for Notary services, and
  • a thumbprint if possible
  • It is also recommended that the Notary detail that he or she verbally administered an oath or took the signer’s acknowledgment of the signature.
A thumbprint is advisable, and adds to the signer’s security as well as the Notary’s keeping this important ‘diary’ of actions, including the signature of the signer before you, can prove that the signer did appear before the Notary, did take an oath or make an acknowledgment, and may serve to document an illegal act by signer appearing before the Notary if it is later questioned or proven that fraud was committed.
Again, remember the dynamics of consistency. If the Notary follows proper procedures, the same way every time, it is likely that he or she will properly perform consistently. As discussed under ‘Personal Appearance,’ if the Notary is ever requested to appear in court about a particular procedure, the journal will provide invaluable evidence that the Notary acted appropriately. Because notarizations are challenged sometimes years after the act took place, it is recommended that Notaries maintain journals for years beyond the final entry in each book.

Notary Public Companies in Monroe NC

Notary Public Companies in Monroe NC

Finding a reputable on call Notary Public here in Monroe NC is sometimes very difficult to connect with. Most don't notarize certain documents or feel comfortable having you ask them the do the job the same day. Beware of anyone who does not carry an official notary license here in the State of North Carolina.

Tip: Notaries should never notarize their own documents or family members signatures here in Monroe NC.

Here is a list of Notaries that I found


1001 E WT Harris Blvd
CharlotteNC

V-12 Motorsports Of Indian Trail Inc


301 Unionville-Indian Trail Road
Indian TrailNC

J & R Construction of North Carolina, LLC


3713 Fairlane Drive
Monroe NC

Jorgette Cook, CSA


7495 Sedgebrook Dr., West
Monroe, NC

Law Offices of Cheryl David


528 College Rd
Monroe, NC

Law Offices of Cheryl David


528 College Rd
Monroe, NC

Massey Plumbing Inc


134 McCully Rd.
GastoniaNC

Native Insurance Service


3100 CENTRAL AVE. SUITE 6
CharlotteNC

Errands Etc. Plus

6233 Rockshire Drive
CharlotteNC

Errands of The Carolinas LLC


13812 Walkers Creek Drive
CharlotteNC

HONDA OF WINSTON-SALEM


591 S STRATFORD RD
Winston SalemNC

Howze VBS


7011 Indian Ridge Lane
CharlotteNC

Huffman & Kendrick, PLLC


340 W Morgan St
MonroeNC


1310 Miller St.
MonroeNC

Stairs custom glass


CharlotteNc

Rabon Law Firm, PLLC

225 E. Worthington Avenue
CharlotteNC

P A B Consulting Inc

P O Box 669724
CharlotteNC

All About Business


SalisburyNC

All About The Serve


CharlotteNC

Amvet Auto


5774 Charlotte Hwy.
Cloversc

Bradshaw's Printing & Notary Services


121 Laws Lane
Kings MountainNC





















y

Serving the Monroe Area


3029 Beatties Ford RdCharlotte, NC 28216


5038 N Tryon St,

Charlotte, NC 28213

The UPS Store

10612 Providence Rd Ste Charlotte, NC 28277



Notary Agent
2530 Bathgate LnMatthewsNC

John Ashworth


A & B  Notary(704) 207-1330MonroeNC


John H Frechette 

Hal Cline 

Chrisann Fowler 


Jamal Brown 

Shawn Prince 

Charlotte, NC

Joseph Miller

Randy Nealey 

C & C Notary 

Joseph Miller

Michelle Burger

Francisco Salazar Notary Public 

Peggy Irvin 

M & A Signings 

Julie Jones

Rhona Chiles 

William Moody 

Maria Filimon 


Regina Watkins 

Alisha Allen 


Craig Lancaster 

Stephen Crosby 


Teresa Samaniego 

Jeffrey Browne 


Katherine Shea Grant 

Lynn Smits

Kimberly Jamison

Ronald Philbrick

Stephen Crosby After Hours Notary


Steven Chipper LongNPBC Indicator



NPBC Indicator


Malinda KehoeNPBC Indicator

MTN Services - Joe R. MarzeNPBC Indicator

Francisco SalazarNPBC Indicator

Jerry HoltNPBC Indicator

Joseph Miller


William MoodyNPBC Indicator

Erma Lane


Mara WhitenerNPBC Indicator


William Broyles IINPBC Indicator


ALD ServicesNPBC Indicator


David Woodward

Quick Service Notary, LLC - James M Smith


Daniel GleasonNPBC Indicator



NPBC Indicator


Monday, June 16, 2014

Correct Notary Journal Processes for Notaries in Union County Monroe NC

Correct Notary Journal Processes for Notaries in Union County Monroe NC

States’ laws vary widely on needs regarding notary magazines. The information any particular one state says must be captured in a journal might be considered unlawful throughout another state. Seeing that is our typical practice, the American Affiliation of Notaries (AAN) wishes to impress upon readers that they must be mindful that laws consist of state to talk about. Also, please be aware that some states utilize phrase “record book” to go into detail the volume through which notarial acts are recorded and other states use the phrase “journal. ” The term “journal” will likely be used to signify them both in this article.
As readers fully understand, many states don't require their notaries to maintain journals. However, the majority of notary public staff in states that not require journals declare that notaries keep accurate records with their notarial acts. This article will be beneficial to both notaries in states that require journals and notaries in states that not require these people.
Journal Ownership
One notary may start using a single journal. Notaries should never share a newspaper. A notary’s journal is the property and responsibility in the notary who uses it. Even if a new notary’s employer acquisitions a journal for the puppy, the journal must be in the notary employee’s ownership and under their protection. This is valid even if this employer/employee relationship will be terminated. Employers should abide by the notary’s state laws as a way to request a copy in the journal contents with regard to business record purposes.
The best notary magazines are well-bound ebooks or booklets which might be constructed in order that the pages cannot always be tampered with. The pages need to be bound with glue, attached, or securely stapled together for the spine. The pages need to be numbered. Spiral or loose leaf notebooks will not be as desirable as books which might be bound because they are often altered and completely new pages substituted with regard to original ones.
Notaries ought to write their bands, addresses, email deals with, and phone numbers from the inside covers with their journals. Some notaries incorporate a note that says that a reward will be provided if the journal is shed and returned to the notary, but this is a personal decision, an excellent requirement.
It is beneficial to note in top cover of the journal how the journal should be handled in the event of the notary’s death. Some states require that a notary’s journal be returned to the commissioning office. Others require that the journal be tendered with all the county clerk in the notary’s residence.
Notaries may choose to glue a pants pocket folder into back in the journal to carry a copy of their state’s allowable fees, his or the woman's commission, and/or a printed copy of their notarial handbook. Notaries may have got other sheets of information which might be useful during notarizations and the items may also be stored in this pocket folder in the journal.
When a notary retires a journal to begin with a new one particular, he or she should label this retired journal with all the dates of the first notarization and the past notarization. Archived and active notary journals must be locked into a new secure area when outside of the physical presence with their owners.
Start the method with your Diary
When a signer appears when you, pull out your current journal. Cover any past journal entries with a file folder or part of paper. Some notaries make use of an open file folder to hide previous entries. Others tape this short edges involving two letter-sized bits of paper together and lay them over the previous entries upon current page(s) in the journal. When this notarization is comprehensive, tuck the folder or paper inside your journal for use with all the next client.
The job of completing the journal is frequently listed as the past step of suitable notarization; however, the act involving capturing information for the journal actually will begin immediately. Since you should identify the signer and record information regarding the signer’s NO . first before continuing to move forward, you can begin capturing journal requirements at that time, as well.
Although some may argue that the transaction has not happened until the report is signed and notarized, the AAN maintains that notaries public might be trusted to strike the info and make note if the notarization is not completed and the reason why the transaction was halted.
By completing the journal earlier, the notary has a way to see the signer’s signature on their ID documents. If your notary wishes to obtain a signature from the journal before this document is authorized, the journal signature might be compared with this ID document. Lastly, the signature within the document can be in contrast to the two previous signatures and this gives a a higher level assurance that those in the ID document is the same person exactly who signed the report.
Writing in Magazines and Making Modifications
Notaries must make use of ink when writing in a journal. If a notary makes a blunder, he or she draws a line from the error and tends to make a correction. They should then primary the correction. Never use a static correction tape or fluid in a journal.
Why maintain a notary newspaper?
If not instructed to keep a newspaper, why should a notary visit the time and expense to keep up one voluntarily? A notary journal is a record of acts performed by a notary public, that's a commissioned general public servant. If an act is known as into question, an adequately maintained notary journal helps in determining critical information about the act involved.
Government clerks have to keep records with their acts; all members and amounts of the judiciary have to keep records with their acts. Notary acts are critical to the public and to the legal system. It stands to reason that the public deserves due to the notaries to maintain an archive with their acts. A notarial journal assists the public with documentation involving important transactions in the same manner that public residence records and courtroom clerk files incorporate transactional evidence and historical facts which businesses and folks rely upon as a way to conduct business.
A properly managed notary journal supplies its owner a new factual account of their acts. Therefore, a new journal supports its owner, as well for the reason that public. It is a company record that aids in verifying that the notary properly conducted their business if a new notarial act is known as into question.
More than one Active Journal
Some states are clear that a notary may merely keep one active journal each time. Others do not specify that just one journal may always be active. Therefore, notaries must contemplate their states’ laws and regulations before deciding to use a couple of journal at a period.
Walking a Fine Line: Protect NPPI
States that require notaries to maintain journals usually summarize the information that need to be captured for each and every transaction. If notaries will not have guidance on this particular matter, a good rule of thumb is to report enough information in a journal to develop proof of a transaction in a manner that does not make the non-public personal data (NPPI) of signers readily accessible to the general public. Protection of this NPPI of signers is a critical duty involving notaries.
The AAN believes that the following statement should apply to all notaries with no guidance regarding assortment of information. This statement comes from page 10 involving Montana’s Notary Guide -- it follows a listing of required points of information that a Montana notary have to collect regarding notarial acts:
“You may consist of other information the specific circumstances or even other non-private information highly relevant to the identification in the party or to the situation. ”
Many state laws and regulations are silent upon whether notary journals are viewed as to take part in the public report and accessible by most people upon request.
Colorado front range and California, 2 states with substantial populations of notaries, are clear within this point of legislation. For the welfare of example we consider Texas and California to show how one state makes the info very private along with the other state says it is public record, yet both ones protect the information by using different methods.
California’s laws need that notaries enter NPPI within their journals. By NPPI, all of us mean the quantities on driver licenses and passports. Nevertheless, of note will be that California’s laws and regulations are clear from the state’s notary laws that a notary’s journal is the property of the notary and this only single line items might be copied for part of the general public IF certain standards are met by the requester who seeks the info. Failing that, a California notary journal might be copied if this notary is served with a subpoena duces tecum. At the same time, a journal might be confiscated by part of law enforcement if the law enforcement agent has clear potential cause. Therefore, California laws protect notary journal contents by placing rigorous requirements on confiscation and legal distribution in the contents of a new journal.
On another hand, Texas laws say that the journal is a new matter of general public record and members in the public may request copies in the same by paying a suitable fee. Texas strictly forbids assortment of NPPI and thumbprints throughout journals. Texas protects signers’ data by not allowing NPPI for being captured.
Notable variances in notary newspaper laws
Again, we depend on California and Colorado front range as contrasting cases. California notary laws and regulations require notaries to be able to capture thumbprints throughout certain notarial acts. By comparison, Texas privacy laws along with the Texas Secretary involving State indicate that notaries might not capture thumbprints throughout notarial journals since thumbprints are biometric identifiers. In addition, Texas notaries might not capture the quantities from driver licenses or passports, although California requires which notaries capture which information. This is a different example of why notaries Got to know and adhere with their states’ laws.
18 Points that Distinguish Notarial Acts
We have discovered 17 critical factors that tie this notarial act described from the journal to the signer in addition to to the notary that recorded the info.
Notaries in says without journal laws might wish to build their journal-keeping techniques on these suggestions. Notaries in states that require journals may profit by adding a few of these critical pieces of information regarding notarial acts, as long as the information is not forbidden for series by their states’ laws and regulations.
1 – Night out of notarization. All notaries should capture this information in their magazines. One of the most crucial facts about the signing of your document is the date on what it was authorized. This information appears from the notary certificate. A notary can also wish to document from the journal the time in the notarization. Some states may need both the date and time to be recorded from the journal.
2 – Report date. All notaries should capture this information in their magazines. A document may bear to start a date on which it becomes effective or it may simply have to start a date stated at the very top or bottom in the document. That date is the document date. The document date don't even have to be the identical date as this date of notarization. It's rather a date in earlier times or a date in the future. Documents may become good at a date later compared to the date of notarization; documents may be dated within the date they had been drafted for signature or they are often dated for a date before for another cause. Some notaries might be required by the state laws to remember the time in the notarization, as properly.
3 - Title (or type) in the document. All notaries should capture this information in their magazines. For example, this entry would talk about “Affidavit, ” “Deed, ” “Power involving Attorney, ” “Automobile Title, ” “Contract, ” “Last Will certainly and Testament, ” or even other document concept or type.
5 - Parties. It is a time consuming activity, but the information is useful to conclusively discover a document. As an illustration, parties listed in a deed could be the person giving the property to another (grantee) along with the person receiving the property from another (grantor). Parties identified on the mortgage instrument could be the party receiving financing and the thing providing the mortgage. These are called the mortgagee and mortgagor. Parties on an electric of attorney could be the grantor who will be giving power of attorney to the grantee (attorney-in-fact). Texas notaries must identify the data regarding grantors, designers, signers, and original grantees relating to documents. The following case in point illustrates why this entry is essential. A notary may possibly enter “deed” from the journal and the name in the signer. However, in case a person (signer or even otherwise) intends to be able to commit fraud, the individual could remove this notarial certificate in the deed noted from the journal and put it on another document. If the notary information the grantee (person getting the property) in addition to the grantor (signer/giving this property), those notes produce a closer tie to the actual document.
5 – Property involved. If property is involved as being a material the main transaction, a notary would certainly cite information that identifies the property. This would be with regards to a deed, home loan, lease agreement, or other document bearing a home description or deal with. Texas notaries must collect information about property that's the subject of a new conveyance document like a deed or home loan instrument. The reason for this is similar to the example earlier mentioned involving parties. A notary may possibly enter “deed” from the journal and the name in the signer. However, in case a person intends to be able to commit fraud, the individual could remove this notarial certificate in the deed noted from the journal and put it on another document. Noting from the journal the precise property described from the deed provides a better tie to the actual document that this notary notarized.
6 - Volume of pages in report. For example, the entry would are convinced that the document has 45 pages. Notaries who opt for this information must be careful to always be absolutely accurate.
7 – Sort of notarization performed. All notaries should capture this information in their magazines. For example, this notary would report “Jurat, ” “Acknowledgment, ” “Oath, ” “Certified Backup / Name involving Document, ” or even “Oath Administered. ”
8 – Spoken ceremony performed. To note and affirm that a verbal ceremony was performed is an excellent tool because some who try and back out involving transactions have tried to mention that a presiding notary did not administer the verbal ceremony. The notary confirms from the journal that a oath or affirmations was administered, or an acknowledgment was taken, or, in the case of a accredited copy, the notary confirms that the bearer of the document that is certainly copied makes a statement about the genuine nature in the document.
9 - Venue in the notarization. This will be another great instrument to prove which acts are valid. The presiding notary would list town, county, and state where the notarization was carried out. If an act is known as into question, this information can be be extremely helpful if a notarization is known as into question to show that both the notary along with the signer were from the same location at the same time.
10 – Cost. All notaries should list this information in their magazines. If a cost for notarization was charged, the fee need to be listed. Also, observe if no cost was charged.
11 – Identity in the signer. This occasionally includes the document signer’s label, the signer's deal with, and his or her cell phone number. List the label on all NO . documents used during the notarization. Make an email if the signer signs with a slightly different label.
12 – Signature bank of signer. All notaries ought to request that signers indication their journals while proof of their appearance before the notary in the time notarization.
13 – NO . method. All notaries should note this information. This is the way the document signer was identified. The notary would list that she / he personally knows this signer, that the signer was identified by the personal knowledge of several credible witnesses, or by presentation of several documents of id.
14 - NO . documentation. If the signer's identity is established by documents involving identification or trustworthy witnesses, note this document types and their expiration appointments or the bands, addresses, and telephone amounts of the witnesses. (Do not list numbers in the ID documents until state laws need them. )
15 – Thumbprint. Usually do not take thumbprints until (1) state laws and regulations require them or even (2) the notary public administrator from the notary’s state has agreed on this practice. Texas isn't going to allow notaries general public to record thumbprints throughout notary journals.
sixteen – Observations with regards to special circumstances. A notary occasionally includes information about exclusive circumstances that came into being. For instance, information about others present in the time notarization may always be recorded. A notary may document such things as (1) the reason(s) with regard to declining a notarization, (2) that a new signer required special assistance as a result of disability, or (3) that a person’s ability to understand their actions seemed doubtful and why or you will want to the notarization was performed.
17 – Other fees/entity paying fees. If a notary does a mobile notary job, the notary may want to write in a failure of the fees along with the entity that hired the notary and will also be paying the cost.