Amen. "try to live their entire life on gadgets" So do companies with their Apps. No way to run a business, imo. If you don't value your time and experience, nobody else will.  Lee-AR

None. Not interested. High cost & practically no demand equates to negative ROI. This, of course, is a state-specific opinion. If you don't value your time and experience, nobody else will.  Lee-AR

I have ran into similar setuation with couple of signing, so I found out bout Pre Paid Legal, became PPL member, called 1-800 number and within few hours attorney called me to discuss the case. I gave him all the detail, he turn around and wrote letters, few days later I had checks in my mail. PPL is in business for past 30 years and you can also make money by selling their membership to others, I was assigned to Ross & Matthews law firm by PPL with personal attorney card with 800. If you become PPL member then your assigned law firm will do many other thing for you, go to their website at http://rossandmatthews.com/prepaids1.asp to see wath they can do for you for $17 per month member fee. If you want additional Identity theft protection that would be additional $9 per month. Ross and Matthews is prominent law firm, they have contract with PPL to provide services to their members, I am assuming R&M get some cut per call to PPL members. There is no contract with PPL you can cancel it anytime. I am a associate member and I paid $72 one time fee then $26 per month for ID theft and PPL member, advantages with associate member is that you make money everytime you refer someone. If you are interested in signing up with PPL go through my site at: https://www.prepaidlegal.com/Multisite/Multisite?site=hub&assoc=rmbaig Rizwan baig  n/a

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Originally posted by a1etron
Call the borrower/buyer and tell them you have not been paid for a service they were charged for and you need payment can they pay you. Then call the LO and tell them you have not been paid because that is who the borrower is going to call next, at this point hopefully you should have some movement. Edward Fadden Orlando Notary Covering all of Central Florida, Orange-Lake-Seminole-Osceola and Volusia Counties. 407-619-7777 orlandonotary@embarqmail.com

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Disagree....the borrowers have paid the fee in the disbursements on the HUD, which is out of their hands. They should not be dragged into it. LO, yes; state regulating agency for the title company, yes; Borrower? No. MHO Linda www.notarydepot.com/notary/lindah http://www.notary.net/websites/LindaHubbell   LindaH

You would be amazed at how effective calling the borrower has been for me in the past. Linda see the light it works all these other people and companies will do very little for you because the file has closed. The LO does not want his buyer/borrower having any problems becuase they need referals. After calling a borrower on one file that was 65 days past due I had a FEDEX next day for full payment from the title co. Do what you want I do what works. Edward Fadden Orlando Notary Covering all of Central Florida, Orange-Lake-Seminole-Osceola and Volusia Counties. 407-619-7777 orlandonotary@embarqmail.com  a1etron

There may be a slim distinction here between what you said, Edward, in your last post and what Linda is saying regarding your initial postings. I personally don't think there is a problem in asking the borrowers to help you in the collection effort, but what Linda was responding to (I think), is the statement from you where you wanted the borrower to pay you your fee. In particular you said:

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Call the borrower/buyer and tell them you have not been paid for a service they were charged for and you need payment can they pay you.

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IMO, and the opinion of many others, the borrower is not party to your contractual arrangement. What that means, is they are not responsible for your payment and therefore should not be approached for payment. Again, this is not to say that you cannot seek the borrower's help in getting your payment, just that you can't ask them to pay you.

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Never drive any faster than your guardian angel can fly. I am not an attorney licensed to practice law in the State of Florida, and I may not give legal advice or accept fees for legal advice. Visit us online at http://www.PAWnotary.com  PWinFL

If you read the HUD, when you are at the closing, YOUR FEE is listed on there. Therefore in most cases your fee WAS PAID AT CLOSING, and is listed in "title fees" usually around DOUBLE what we are actually paid (assuming we GET paid.) To me, if a Title co. picks up the phone and makes one or two calls, gets $300.00, and gives us $150.00, the hiring title company can't justify SUCH A HIGH FEE for only one or two calls. These are the highest Closing Agent fees I have seen by the way, usually for Purchase Loans. Look up, print, and read the Model Notary Act. You will learn a lot. Also RESPA which is Real Estate Settlement Proceedures Act, which is the law WE WORK UNDER when we perform loan closing services. I keep them in my briefcase. Perhaps knowledge of the laws will allow the companies who hire us to become convinced that we ARE knowledgable professions who deserve to be paid. Speaking as a NYS Lic. Real Estate Broker, not from any notary class... Barbara S. Calabrese  n/a

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Originally posted by BarbaraC
If you read the HUD, when you are at the closing, YOUR FEE is listed on there. Therefore in most cases your fee WAS PAID AT CLOSING, and is listed in "title fees" usually around DOUBLE what we are actually paid (assuming we GET paid.)

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I'm finding more often than not, closing fees, whether paid to a service or direct to the agent, is not listed on the HUD. The fees the title company is paying is included in the title company fees rather than being broken out and listed separately. Also, many title companies pay the service or agent with operational funds rather than escrow funds. Of course, this does not preclude that the borrower is ultimately paying our fees.

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Originally posted by BarbaraC
Look up, print, and read the Model Notary Act. You will learn a lot.

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While the Model Notary Act (by the NNA) is okay, rest assured that it is not a bible and certainly not a law or statute. The Act states

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A major objective of the Act, as stated in Subparagraph (6), is to unify notarial laws throughout the country. Problems relating to the recognition of out-of-state notarial acts can be eased or eliminated if the Act gains widespread acceptance.

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Many states have embraced many parts of the Act, but by no means has it become fully accepted by all states.

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Never drive any faster than your guardian angel can fly. I am not an attorney licensed to practice law in the State of Florida, and I may not give legal advice or accept fees for legal advice. Visit us online at http://www.PAWnotary.com  PWinFL

What do you do, when the signing service or title company closes? I have been taking losing so much money for companies that are closing their doors before paying me. I contacted the title company for the signing services and they already paid the signing service and say there is nothing they can do about it. Isn't there a letter we can have the borrower sign, saying that is the title company/signing services/law office, does pay we can request the money from the borrower?   kandy1099

No, you cannot ask the borrowers to pay you. Your contract is with the signing service or title company. If whoever hired you goes under, then you need to file a claim with the BK court, assuming they file bankruptcy. If they just up and not pay you, you may be able to get a judgment against them, but collecting is still a problem. Because of all the signing services, and a few local title companies, falling off the face of the earth, many NSA's are very selective who they do business with. Picking the right business partners is an art and luck. Pick wisely to minimize your potential losses. In the past 10 years, I've only been stiffed once. The fee wasn't worth the expensive to seek justice but the lesson learned was priceless.

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Never drive any faster than your guardian angel can fly. I am not an attorney licensed to practice law in the State of Florida, and I may not give legal advice or accept fees for legal advice. Visit us online at http://www.PAWnotary.com  PWinFL

<< many NSA's are very selective who they do business with. >> Agree with Paul. Always check out a company on this website and also on the Notary Rotary site. I have very few collection problems because I investigate every new company that calls me. If I accept a job, I check them out and if I find that other notaries have collection issues with that company, I will give the job back ASAP. Don't believe their lies that: all the other notaries don't know how to properly invoice, or the check was lost in the mail, or they just changed bank accounts and are in the process of cutting checks, or the title company hasn't paid them, or they have a new person in accounting and everything is all caught up and all their problems are in the past, etc. All lies. The reviews posted by other notaries tell the real story. Also, I will code every company in my phone with their name so I know who is calling me next time. If it's a company that I don't want to work for, I put a "No!" in front of the name. I had a call today from Speedy Closings. I asked, "Is this Speedy Closings in New Jersey?" She replied that it was. I then politely told her that I will not work for her company due to payment issues reported by other notaries. She went on to the next notary on the list, and I coded the number in my phone with a "No!" in front of it. Collection issue avoided. CopperheadVA   CopperheadVA

In Pennsylvania, if "Notary" is listed on the CD, the borrower is ultimately responsible for your fee.  JZeiger