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Notary Public & Loan Signer & Attorney (Charlotte/Concord/Gastonia/Salisbury/Monroe/Indian Trail)
Charlotte Notary Public Service offering Notary Public and Loan Documents.
Signing Services to Mortgage Lenders, Brokers, Title and Escrow Companies, Attorneys, and for all other Private Party business transactions.
Providing ALL Notary Public Services: – Acknowledgements – Jurats – Mortgage closing document signing, Powers of Attorney’s Wills, Other Legal Documents.
State of North Carolina Certificated Notary Public Insured and Bonded.
FEE: $5 – 1 Standard Signature (Most Documents)
Reasonable Travel Fee  
I am available: 24 hours a day, 6 days a week for signing services (Mon-Sat)
I specialize in: Same day notary service.
Call @704-461-1883

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posted by North Carolina Mobile Notary

• Congress Agrees on Comprehensive Financial Reform Bill
• Sponsors of notary bill: No connection to robo-signing issue
• Senate Passes Housing Bill, But Support Seen as Problematic
• White House supports state probe of mortgage industry
• White House Rejects Senate Housing Bill; Next Moves Uncertain

President Obama will not sign H.R. 3808, the Interstate Recognition of Notarizations Act, which would have allowed federal and state courts to recognize notary signatures from other states.

The bill was passed by the House and Senate and presented to Obama on Sept. 30 for a still pending signature. Congress, meanwhile, went on its fall recess.

A White House official posted on the government’s blog that Obama would send the bill back to Congress, citing the “unintended impact” the bill would have on consumer protections, specifically in regards to mortgages.

Ally Financial (GJM: 22.80 +0.89%), JPMorgan Chase (JPM: 40.94 +2.86%) and Bank of America (BAC: 12.36 +1.90%) have each suspended foreclosures in 23 states that require lenders to file lawsuits in order to foreclose. The banks have each cited affidavits signed without verifying information in the documents and without a notary present.

While the sponsors of the bill have denied any link between the policy and the recent foreclosure issues, foreclosure defense attorneys have said it would make cases more difficult and expensive for homeowners.

Timothy Reiniger, director of the digital services group of FutureLaw, testified in support of the law in 2006. He told HousingWire that he was extremely disappointed by the president’s decision to veto the bill.

“Businesses, consumers and the courts would have benefited from the greater reliability and security afforded to notarized documents both in paper and electronic form,” Reiniger said.

“Notarizations are important for a large range of documents, including financial documents. As the president has made clear, consumer financial protections are incredibly important, and he has made this one of his top priorities,” Dan Pfeiffer, White House communications director wrote in the blog. “That is why we need to think through the intended and unintended consequences of this bill on consumer protections, especially in light of the recent developments with mortgage processors.”

Notary Public & Loan Signer & Attorney (Charlotte/Concord/Gastonia/Salisbury/Monroe/Indian Trail)
Charlotte Notary Public Service offering Notary Public and Loan Documents.
Signing Services to Mortgage Lenders, Brokers, Title and Escrow Companies, Attorneys, and for all other Private Party business transactions.
Providing ALL Notary Public Services: – Acknowledgements – Jurats – Mortgage closing document signing.
State of North Carolina Certificated Notary Public Insured and Bonded.
FEE: $5 – 1 Standard Signature (Most Documents)
Reasonable Travel Fee  
I am available: 24 hours a day, 6 days a week for signing services  (Mon-Sat)
I specialize in: Same day notary service.
Call @704-461-1883

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North Carolina Legal Documents, Legal Documents, Legal Forms, NC Legal Zoom, Attorney prepared forms, Sample Forms

BY Legal Match

Posted by North Carolina Attorney Drafted Legal Forms

Lawyers can be expensive. That’s no secret. It’s also arguable that, for many simple legal matters, a lawyer might not be necessary. Simple wills and uncontested divorces are common examples.

As a result, an industry specializing in pre-printed legal forms for things like quitclaim deeds, wills, and uncontested divorces has popped up. These forms have been available in office supply stores for years, but the Internet has really let the industry take off, with companies allowing consumers, for much less than a lawyer would charge, to simply plug their information into a website, pay the fee, and receive a printed copy in the mail, or print it themselves. At that point, they usually just have to sign the documents, and maybe have them notarized.

This is a pretty sweet deal…assuming that the results are always flawless. A recent story in the New York Times, however, shows that this is not the case. The author tested out 4 popular online services for drafting legal documents. She used each one of them to draft a will, and then had an experienced estate planning lawyer go over them. The lawyer found holes in every one of the documents, though found that 3 of them were good enough that they probably wouldn’t cause any major problems. But the last line of the story really sums up the problem – a layperson probably doesn’t know enough about the law to spot the holes in these cookie-cutter legal documents, and they don’t know what to look for. Essentially, they don’t know what they don’t know.

Barring some fundamental remaking of our legal system, people are always going to make wills, get divorced, file for bankruptcy, and apply for trademarks, among other things. And some might argue that many attorneys charge far too much for these relatively simple tasks, considering the amount of work they require. In this economy, the opportunity to get the same results at a fraction of the price is more tempting than ever.

However, if there are any significant problems with a legal document, the long-term cost can be much greater than what it would have cost to hire a lawyer in the first place. Consumers will either find their intentions completely frustrated because a will, or other legal document, turns out to be invalid, or they’ll have to hire a lawyer to clean up the mess.

This possibility, and the fact that some people believe that they’ve already been harmed by using such documents, has led to a class-action lawsuit against LegalZoom, the biggest player in the industry, alleging that it has engaged in the unauthorized practice of law. To an outside observer, this could look a lot like an entrenched, protectionist, change-averse profession trying to stamp out competition and stifle innovation. I can’t read minds, so I don’t know the motivations of the lawyers in this lawsuit, but I wouldn’t be surprised if they were motivated, in part, by self-interest.

But if the case has merit, so what? After all, lawyers have to put food on the table, just like everyone else. Now, I’m not saying that they, or members of any other profession, have a right to do this by stifling legitimate competition, but if their clients have legitimate claims, the fact that the outcome sought by the plaintiffs might be beneficial to the legal industry should not be relevant.

What is relevant is the question of whether or not these services engage in the unauthorized practice of law. And that’s a tough question. Basically, if you provide legal advice, you are practicing law. If you provide legal information, you’re not.

The differences between these two concepts are subtle, but crucial. Legal information is simply telling a person what the law is, and then leaving the recipient of the information to decide what they want to do with that knowledge. Legal advice, on the other hand, goes a step further. It involves telling the recipient what the law is (or simply knowing what the law is), applying it to the recipient’s unique factual situation, then telling them what they should do.

Do pre-printed legal forms count as legal information, legal advice, or something else? An argument can certainly be made that these forms do constitute legal advice – they involve the synthesis of many different laws into a usable document, applicable to a person’s particular factual situation.

Of course, it could also be argued that these documents are just statements of what the law is, leaving the purchaser to make their own decisions based on that information. Whatever the case, we should find out fairly soon, when this case is resolved.

But in the meantime, what should we take away from this? Well, if you have a fairly simple legal problem, and want to solve it as cheaply as possible, ask yourself: what would it cost me if I did every single thing wrong in solving this problem, and the exact opposite of what I intended came to pass (we’ll call this “A”)? Then you should look at what it costs to hire a lawyer (“B”). If A > B, it’s probably a good idea to seek the help of a lawyer experienced in the relevant area of law.

Of course if B > A, using pre-printed legal forms might be for you. Just remember, every single factual situation is different, and they can’t all neatly fit into a simple questionnaire. If you decide to use these forms, it’s probably a good idea to have a lawyer at least review them before you rely on them to produce the desired legal outcome.

After all, when it comes to something like a will, you might only get one shot to get it right

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Posted by Mobile Notary Service

From montrealgazette.com

For the last 18 years, realtor Janice Newton has been guiding buyers, new or veteran, through the maze of home ownership. The steps, as far as this co-owner of the Royal LePage Monkland Ave. franchise is concerned, must be built on one solid detail.

How much of a mortgage is your bank willing to lend?

“The first thing prospective buyers need to do,” Newton said, “is go to the bank and get pre-qualified for their mortgage.”

That’s the point at which it is clear to them how much money the bank will let them borrow, based on their salary and credit check. This way, they can plan any offer they make based upon this knowledge, as well as a guarantee of the rate at which they can borrow.

“Normally these rates are guaranteed for 60 or 90 days so it’s a very important tool,” she said. “They will get the lower rate if the rates go up or down, so it’s a double protection.”

What this buyer can then bring to the table is a letter from the bank with these details, an important piece of paper when an agent is presenting an offer, she says. “If there are multiple offers, we like to have this letter with us to show to the vendor that we have pre-approval. The vendor often opts to go with this, even sometimes if it’s a lower price.”

So when a prospective buyer contacts her, Newton’s first job is to set them up, if they’re looking, with a mortgage broker and a bank. Another reason that she asks buyers for letters of pre-approval is today’s market, in which sellers simply will not accept offers from people contingent on selling their own homes, she says.

They must also have a down payment, which is usually 10 per cent of the price of the house.

The strategy if the buyer has a home to sell is to leave enough time between the time their house sells and when they must go to the notary to sign the deed of sale, she says. “We try to give it two or three months.”

So with time established between accepting an offer and the time they have to move out -and once that mortgage pre-approval is in place, she goes over the criteria of what the buyer is seeking in their new home.

“It’s a very emotional business and can be a little crazy,” Newton admits. “So they’re really counting on their agent to remain calm through all of this and make sure they see everything that fits their criteria as soon as it comes on the market.”

The agent usually has a checklist that includes the price of the home and the basics that they’re after, she says. “You can call it their wish list, and prioritize it.”

While people today are more savvy about prices because of the Internet, Newton still needs to advise clients who might not be familiar with certain neighbourhoods.

Pleaseseefirs tsteps, PageD11

“The agent needs to know the neighbourhood, all the schools and sporting activities, all the facilities available in the area,” she said.

Good structure is the most important in buying a house, she says, meaning good foundation around the home, good brickwork, nice hardwood floors, electrical and the roof. “I say look, you can put in the in-ground pool, looking for one sets a limit on choices,” she said.

There are elements like plumbing that can be updated, she says. “It wouldn’t stop me from buying a property. But it also depends on their tolerance level, how much renovation they want to do.”

When clients find a house they like, Newton recommends that they get their offer accepted, and make it conditional to a building inspection, which can cost between $500 and $600. ” Some vendors do pre-sale inspections, but most people want to have their own inspector,” she said.

“And I strongly recommend that the buyer goes with the inspector

when they do the inspection,” she said. “A written report isn’t that easy to read, so if you’re on site you can be shown certain things.”

Then the buyer picks a notary, sometimes offered by the bank, who does the title search to make sure there are no liens on the property and who drafts the deed of loan and the deed of sale.

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Posted by Charlotte Mobile Notary

From money.usnews.com

If you’re combining your life with a new spouse, moving from one house to another, or just frustrated with the amount of documentation you have filed (or unfiled) in your basement, it’s a good time to simplify your finances. Simplification is not only practical, it is beautiful. This is the concept of kanso, a Japanese aesthetic usually applied to gardens. Through a stretch of the mind, we can apply this beauty to our lives and our finances.

1. Reduce the number of bank accounts.

If you follow the latest changes among high-yield savings accounts, you may have accumulated a collection of bank accounts with small sums of money in most. Consider reducing your banking matrix to only the essential. I recommend keeping one interest-bearing checking account at a convenient location and one online savings account, but you may want to simplify even further by maintaining only a checking account.

2. Merge your investment accounts to one location.

I didn’t have cash up front to fully fund my first Roth IRA, so I created an automatic investment plan at a brokerage with no minimum investment amount. In subsequent years, I preferred to invest a lump sum once a year. With cash available, I was able to meet the minimum investment requirements at a more favored brokerage. In addition, I have a number of non-retirement accounts spread out across several brokerages, including a few I opened to take advantage of account opening bonuses.

With investments spread out like this, I have to manage several extra forms when I organize my documentation for filing income taxes. It takes some work and possibly access to a notary public, but it is worthwhile to merge these accounts at your favorate discount brokerage as much as possible.

3. Eliminate unnecessary credit cards.

When you check your credit report for the first time from AnnualCreditReport.com, you may notice, like I did, you have several inactive credit cards. While canceling older cards could damage your credit score, considering keeping the oldest cards and consolidating your balances and credit limits. You may still need to avoid fees when transferring a balance from one card to another, so pay attention to the terms.

Use just one credit credit for all your spending, pay off the bill every month, and earn cash back or other rewards. If you’re not in the position to use credit at this level, simplify your debt payoff strategy by prioritizing your credit cards.

4. De-clutter your possessions.

It’s easy to fill up a house with things you like. For the most part, music, movies, games, books, and electronics contribute to the enjoyment of your life. I’m not going to suggest extreme sparse living by eliminating everything you own, but there is an argument for getting rid of all but the most essential items. I am in favor of allowing the possessions that no longer bring joy to be recycled, re-gifted, or returned. For example, you can clean out your CD and DVD collection by selling them on eBay or Craigslist or by trading them in for Amazon.com gift certificates.

5. Optimize your records.

As a result of having too many bank accounts, investment accounts, credit cards, and possessions, you may find you have too much paperwork. Eventually you get around to filing papers, but there is a better system. All that’s needed is a scanner and a shredder. After scanning important documentation, organize all your electronic documents and back up your files to an external hard drive or an online service.

Simplifying your personal finances is rewarding through a reduction of stress and clutter. You will have more mobility and flexibility, and if for any reason another individual needs to step in and help you manage your finances, it will be easier.

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