Covers a wide variety of topics. Make sure you read them all to get all the information.
by Victoria Ring---Bio-
Dear Victoria: I work very hard and enjoy my work being a notary closer. This is my first letter to you. What do you do when clintes just want pay you. Or they send half of the agree fee. I have three company that just refuse to pay me. I called to find out if the loan was closed and yes it was two month ago. I ask them for payment and they get very anger because I called. I am about to give up. --Barbara
Dear Barbara: First, before sending an email to any company, you need to check your spelling and grammar. The email you sent above was difficult for me to understand because you said "What do you do when clintes just want pay you." At first, I had no idea what this sentence meant and I had to read the rest of your email to determine what you were referring to.
Secondly, 50 State Notary does provide collection services. You need to begin by contacting Notary Beware at http://www.notarybeware.com; however, please make sure that you provide them with important details, as well as company names and other pertinent information in order to correctly assess your situation. If you did not do your job properly and you didn't call the company to follow-up to see if you made any mistakes, you may never get paid because the job had to be redone. Did you even call the company and seek reasons for non-payment before emailing us? As a company owner, you need to set up your own collection procedures, or hire a collection company to handle any unpaid accounts. Again, 50 State Notary does not provide these services. We provide educational products for a nitch market.
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Dear Victoria: I have been trying to listen in on the bankruptcy conferences for the last few weeks, especially since having received the 3 CD's (including the marketing one), because I'm hoping to pick up on information that I somehow missed while reading your book and listening to the CD's. Unfortunately, I was really disappointed this past Tuesday that your original plan for covering the petition did not come to fruition. After listening for 1 1/4 hours, I finally hung up. Would it be possible to perhaps begin the teleconference by prefacing that it would really be appreciated if people could hold any anecdotes or questions off-point from the topic at hand until the end, or perhaps emailing you with those questions later? I'm sure you put those teleconferences on at some measure of expense to yourself, not to mention your valuable time, as well as the valuable time of others.
I hope I'm not coming off as sounding harsh with this request. It's just that I want so much to take advantage of every opportunity to learn as much as I can, as I prepare myself for this "new frontier." Once again, I really appreciate all your hard work in your endeavors to make this information available to us, and I look forward to growing in knowledge and understanding of this new opportunity. --Ruth
Dear Ruth: I totally agree with you! First, I must fault myself for allowing non-related questions to enter into the teleconference. I am new at teleconference training. My background is in the training of people one-on-one or in small groups. In this type of training atmosphere, I allow people to talk and have a roundtable discussion, but I have recently learned that training methods for teleconferencing is a horse of a different color. Therefore, I have taken steps to prevent another catastrophe like Tuesday night to occur.
This coming week (September 27) we will begin the training on the Voluntary Petition. I will mute out all the callers during the time that I am providing instruction. After I have finished the lesson, callers will be taken off mute and allowed to ask any questions relative to the subject. Please accept my apology for last week's teleconference and I hope you decide to join us this coming week and give me another chance.
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Dear Victoria: I want to thank you for writing the books you have out! I can't believe how easy you have made for me with step by step instructions. Now my only problem is, is to get out there and get it done! I am so glad that you have the teleconferences! I can't wait to start! Thanks for the knowledge you have shared! I can't wait to put it to some good use!! --Sharole
Dear Sharole: Thank you for your email. One of the reasons my books are easy to understand is because everything I write about, I have personally experienced in business. A majority of authors in my genre only do research to get information to write their books. Few actually live the life and experience all the failures and successes. People who have truly lived the life are the best people to write books to help you. They can identify with you and your situation. I wish you the best of success.
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Dear Victoria: This question is in response to a question that was asked by a California Notary with respect to a single female homeowner who gets married and refinances her home. The question was asked if the husband is required to sign any of the refinancing documents. The answer was yes. My question is: was the response based on Florida homested law? And if so, does that same law apply in California? Because neither Regulation Z or RESPA require a non applicant to sign credit instruments. I could use some insight into this. (Robert)
Dear Robert: The homestead issue is not an issue regulated by Regulation Z or RESPA. California is a community property state which means that the spouse would have to sign spousal documents. The best thing to do is to always check with your title company or the one
that hires you on whether or not a particular state is a homestead state and requires the non-borrowing spouse to sign spousal documents.
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Dear Victoria: Are there any states that allow a Notary to accept a scanned and emailed copy of a driver's license for someone whose documents would be delivered by overnight (Federal Express, etc.) mail? (Jacqueline)
Dear Jacqueline: Not to my knowledge. How would anyone know if the identification was faxed, scanned, emailed or otherwise had not been tampered with? This is why the notary has to SATISFACTORILY identify an individual. If that means asking for 2 or 3 pieces of identification, the notary has the right to ask in order to be satisfied that the person before them is in fact the person whose name appears on the document and is the person signing the document. If all else fails, verify with your governing body for the notary public in your state.