Monthly Archives: February 2014

Mardi Gras Saturday

baton rouge mardi grasToday (2/22/14) was a day for Mardi Gras. On the notary front, I did basically nothing. Every now and then I need a day to spend with my family, without working. Today was one of those days, We went to two parades downtown. That is all.

Thanks for reading this boring notary blog. If you need a notary, call me at 225-907-5280.

What A Friday!

crazy friday in baton rougeToday (2/21/14) was absolutely one of the busiest notary days I have ever had! On the positive side, I was well compensated financially (I can afford to feed my family for a bit). On the not so positive side, I had to turn some business down. I really don’t like saying “no”, but one person could not possibly handle all of the business I had come my way today. It was nuts! I started around 7:30 this morning and did not come back home until after 10:00 this evening. Fridays are always hectic, but this one was really amazing.

Instead of boring you with every little detail about my mobile notary adventures, here are a few highlights:

  • The new title company that called me yesterday- Met with the borrowers and the loan officer. When the loan officer is present at a closing I always feel a bit confused. I’m used to running the show, so having a co-ringmaster throws me off a bit. But everything went great. The borrowers were very understanding about the traffic delay, and they were genuinely nice people. With a bit of luck, I should get some more business from this title company and lender.
  • My number one mortgage company, based out of Baton Rouge, gave me a surprise last minute assignment today. Just a typical refi, and once again the borrowers were great. They were just so happy to have a notary visit them, instead of them going to an office. It went great.
  • I had a late run to Kenner, Louisiana today (in Jefferson Parish, just outside of New Orleans). It was a cash paying job, which is always nice. Long story short, I notarized two power of attorneys and a trust.

On a personal note, I’m tired. Bed time is coming early tonight. We’re doing the Mardi Gras thing tomorrow. Thank you for reading my notary blog! If you want a notary Baton Rouge that will come straight to you, just give me a call at 225-907-5280.

New Title Company Customer

baton rouge loan refinanceToday (2/20/14) was….. boring. But I was able to accomplish a few things on the notary front. Highlights are:

  • A lady that I tried to help a month ago called. Her former employee went to jail, and his truck got impounded. She has a lien on the vehicle that was never recorded. One of those nightmare scenarios. We weren’t really able to resolve it, but I sent the paperwork to her attorney to look it over.
  • A lady that I helped in the past apparently lost the Act of Donation that the previous owner gave to her when she bought the car. I had to track down the original notary in Calcasieu (spelling?) Parish. Thankfully, she was awesome! Problem solved.
  • A new title company in the New Orleans area hired me for a refinance closing here in Baton Rouge for tomorrow. Based on my interactions so far, this title company is a dream customer. I love doing loan closings, but getting new customers for that business is a slow process. Hopefully, these guys will send me plenty of business in the future.
  • My favorite lender called me for two loan closings on Monday. One is in Gonzales and the other is in Mandeville. I wish I could work full time for this mortgage company. They are really amazing!

On a personal note, we are going to the All Parish Jazz concert tonight to watch our son Quinn. It’s impressive.  It’s downtown at the Shaw Center, so we should have fun.

Thank you for reading my notary blog! If you need a Baton Rouge notary that will travel straight to you 24/7, call me at 225-907-5280.

 

Baton Rouge Hospital Notary

our lady of the lake hospital notaryI am a mobile notary public based out of Baton Rouge, LA. What does that mean? Simply put, I travel to you, my customer. I can meet you anywhere in the Baton Rouge area such as your home, nursing home, office, attorney’s office, prison, and even a hospital. I am available 24/7, and most of my customers consider me to be the most convenient notary that you could ever imagine.

Why do I travel to hospitals in the Baton Rouge area to perform notary services? Let me give you a common example:

  • Mary is at OLOL in Baton Rouge. Mary will have an operation the next morning. She is expected to recover well, but she may be stuck in the hospital for a few weeks. Mary has business that needs to be taken care of, and she wants someone to represent her interests at the hospital and outside of it, but how can she do this? Simply put, Mary needs a Power of Attorney to appoint her daughter Jaci as her agent. But how is she going to do this before her operation when she can’t leave her room? Mary hears about me and calls me at 225-907-5280. I visit Mary and Jaci at the hospital, we execute a Power of Attorney, and Mary can relax and focus on getting better, knowing that Jaci will represent her.

Local hospitals that I visit regularly in the Baton Rouge area are: Our Lady of the Lake, Baton Rouge General Mid City, Baton Rouge General Bluebonnet, and Ochsner.

Of course I also visit hospitals in surrounding areas including: Lane Regional in Zachary, St Elizabeth in Gonzales, West Feliciana Hospital in Saint Francisville, Lafayette General Medical Center in Lafayette, and many more.

If you are in a hospital anywhere in Louisiana, and you need a notary public to visit with you, just give me a call at 225-907-5280. Thanks for reading!

 

Loan Modification Package

loan modiication louisianaI work with a number of lenders and mortgage companies from around the world. For the ones that I work with, they typically send the loan modification package directly to me. I then meet with you, at any location you choose, and we take care of the package together. Some lenders, that I don’t work with on a regular basis, may send the loan modification paperwork directly to you. It is then up to you to complete the paperwork and get it notarized.

What is a loan modification package? It is a bundle of paperwork, usually around 30 pages or so, that will alter the terms of your current loan. In most cases, you are agreeing to vary the terms of your mortgage due to a financial hardship. It’s very common for many of us to run into financial difficulties. A loan modification is an attempt by the mortgage company to work with you on getting current with them. In essence, they don’t want to foreclose on your property. If they can alter the terms to put you back on track, it’s almost always in their best interest, and yours.

If you are in the Baton Rouge area and you receive a loan modification package from your mortgage company, feel free to give me a call at 225-907-5280. I will gladly come directly to you, walk you through the package, and take care of all of the notary work in it. My goal is to complete the package correctly, and to make sure that you find the answers to any questions that you may have.

This video on YouTube that I found does a pretty good job of explaining a loan modification: Loan Modification Explained

Thank you for reading!

Louisiana Boat Trailer Title

louisiana boat trailer titleHere’s a common scenario that I deal with on a regular basis: You buy a boat, motor and trailer from an individual seller. The seller has all of the paperwork on the boat and motor, but he doesn’t have the title for the trailer. The sale is taking place in Louisiana.

Warning! In Louisiana, you have to have a title for the trailer. The Louisiana Department of Wildlife and Fisheries (DWF) will register the boat for you, but for the trailer you have to deal with the nice (not!) folks at the LA Office of Motor Vehicles (OMV). When you try to get a new license plate for the trailer, so you can drive your boat to the water, you are in for a shock if you don’t get the title. Simply put, you’re sol without the trailer title.

Louisiana is a trailer title state. While some states don’t require a title for the trailer, ours does. It’s possible that you can deal with the state police and show them that it’s a homemade trailer. It’s also possible that you can show them a manufacturer’s certificate of origin. It’s certainly possible to fix the situation, but it can be an absolute nightmare!

Here is my best advice: If you really want to buy the package from the seller, and he does not have a title for the trailer, both of you need to go to the DWF. Explain the situation and see what they have to say. You may end up going to the state police as well. The point is, don’t give the seller a penny until you personally know for a fact that the title issue can be overcome!

I used to advise people on how to handle this myself, but the rules are just too much of a mess for me. You will never resolve a missing boat title issue until you deal with the DWF and OMV yourself. Remember, buyer beware! Trust me, you don’t want to end up with a trailer that you can’t get a plate for.

If you are buying a boat/motor/trailer package from an individual in the Baton Rouge area, and you need a notary that will travel to you 24/7, give me a call at 225-907-5280. If you have a valid title, I can take care of the rest.

Thank you for reading!

Do I Need A Bill of Sale?

louisiana bill of sale formI hear this question a lot: If I am buying a vehicle from an individual, do I need a bill of sale in Louisiana? The answer is a bit tricky.

If you are buying a vehicle (car, truck, motorcycle, trailer, rv, etc.) from an individual, you do not need a bill of sale to transfer the vehicle into your name at the OMV. This is assuming that the notarized title contains the dollar amount of the sale and the vehicle’s mileage. If the notarized title that transfers the vehicle does not contain either the amount that you paid for it or the vehicle’s mileage, you do need a bill of sale.

If you are buying a vehicle from a dealer, I would always require the dealer to provide me with a bill of sale. All reputable dealers will, without you having to ask for one.

So if a bill of sale is not required, why do I recommend that you always get one, even if you are buying an automobile from an individual? A properly executed bill of sale that is notarized is a valid, written contract between the parties. If anything goes wrong, and it sometimes does, this will be your one solid piece of evidence showing that funds were exchanged in the deal. Without it, the only proof of the sell may be your word, and that will not get you very far.

If I was called to help with the auto transfer paperwork, I would provide an original bill of sale for the buyer and seller, along with a properly transferred title. This gives both parties proof of the transfer, and the buyer has what he needs to register the vehicle.

If you need a mobile notary in the Baton Rouge area, feel free to call me at 225-907-5280. Thank you for reading!

Buying A Car Without A Title

louisiana auto titleThis is one of the most common questions I get asked: Should I buy a car without a title? The answer is almost always: No!!

In Louisiana, the way that you prove that you own a vehicle (car, truck, motorcycle, RV, trailer, etc.) is with the title. When you register a vehicle, the Office of Motor Vehicles issues a title with your name on the front of it. If there are any liens against the vehicle, that is also stated on the front of the title. The title clearly states the year, make, model and VIN of the automobile as well. If you have a legitimate auto title with your name on it, you own the vehicle. A bill of ale will help you prove that you paid for it, but the title is controlling as far as the OMV is concerned.

When you sell a car, you transfer the title to the buyer. The smartest way to do that is to go to a notary (like me). Both the buyer and the seller will sign the back of the title in front of the notary. The notary will help you fill out the back of it to show who the new owner is, how much you paid for it, and the mileage of the vehicle. The notary will also sign it, after you show proper id, and he will place his seal on it.

The new owner/buyer of the vehicle will take the properly transferred title to the OMV. He will then pay his taxes and registration, after showing both the title and proof of insurance. The OMV will issue a new title that will be mailed to the buyer, and they will also mail a new registration to you. You will receive a new license plate at the OMV.

Here’s the problem with trying to complete this without a title- how are you going to prove anything at the OMV? They will not allow you to register the vehicle without a title. You won’t be able to do anything at all at the OMV unless you have a properly transferred title. Nothing!

If the seller does not have a title with his name on the front of it, walk away! Better yet, run! I’ve heard all of the excuses. Some sellers claim that the title was lost. If that’s the case, it’s easy to get a duplicate title. Some sellers claim that the bank has the title. If that’s the case, go to the bank with the seller. Some sellers claim that they will bring the title to the buyer the next day.

If the seller does not have the title in his possession, do not hand them your money!

If you are buying a used car from a reputable car lot, that’s another story. Many of them will actually have to wait for the title to come in from the bank. They should give you a temporary plate to use until the title arrives. If it is a well known car dealership that is running their business above the board, that’s fine.

The used car dealerships that concern me are the ones that I call “ghetto lots”. If you drive around certain areas in Baton Rouge, you know which ones I’, talking about. They may take your money, promise to deliver the title to you in a few weeks, and then never follow through. It happens all of the time. You will never be able to safely drive that car on the streets because the lying ghetto dealer never gets the title to you. Just recently a dealer went to jail over this very issue in Baton Rouge.

To sum all of his up, do not buy a vehicle from an individual in Louisiana unless they have a clean title that shows their name on the front of it, and the vehicle information on the title matches the vehicle that you are buying. If you are dealing with a used car lot, it’s usually fine to wait on the title, unless they are of the scummy variety. In other words, buyer beware!

If you are in the Baton Rouge area and are looking for a notary in Baton Rouge that can travel directly to you, just give me a call at 225-907-5280. Thank you for visiting!

 

To Livingston And Back

livingston parishToday (2/19/14) was an easy day for me. There were three notary jobs today that were noteworthy:

  1. A week or so ago I helped a pharmacy tech. I’m not going to pretend to understand the details, but basically a pharmacy tech has to work for a pharmacist for a certain amount of hours, then apply to get their actual license. Part of that process requires them to sign an affidavit, along with the pharmacist, swearing that they worked a certain number of hours. So I helped a tech by traveling to two pharmacies last week. It turns out that one of the pharmacists that signed the affidavit was not licensed during the time that my client worked there. So we had to do it again. I felt bad for her, and wish I could have done it for free, but I did give her a heck of a deal at least.
  2. My next job took place in Livingston at the court house. One of my new clients, which I am really enjoying, had to get an Act of Correction signed by the notary involved in the original transfer of a piece of property. Long story short, the wording o the legal description was bad, so this correction cleared up the legal description. I always end up with weird stories when I travel to Livingston Parish for notary work, but this one was fantastic! The people involved were very friendly, professional, and they made my job a breeze.
  3. The last interesting job for the day involved a new business client of mine here in Baton Rouge. I notarized four corporate documents for them yesterday, but I wasn’t feeling well at all. I wasn’t happy with the way I handled it yesterday. I like to make my customers laugh and feel like they are family (if that makes any sense), but yesterday I was a bore and just grumpy. I made up for that today when I got at east three laughs out of them.

Although it wasn’t a “job” today, one last interesting notary moment did happen today. A very “special” former client called me today. They want me to create a Power of Attorney for them. Part of my job requires me to validate the mental status of my clients. I need to feel good in knowing that they are competent when signing any contract (which is basically what a POA is). I’m not so sure about this one, but I will know for sure tomorrow when we meet.

On a personal note, dinner tonight consists of leftover red beans and rice from last night. Stacey made it from scratch yesterday, and they are so good! Add a little ketchup, crumble in some cornbread- I’m in heaven! I also had to pick up Quinn’s car from the shop today. It turns out that a timing belt and busted radiator costs about a grand to fix. Ughhhh…..

Thank you for reading my Notary Baton Rouge blog! This is my first daily entry, and it has been a lot of fun for me. I’m sure that not many of you will really like to follow my daily journeys, but that’s fine. Righting down my thoughts has always been a way for me to unwind, and maybe someone will pick up something from here along the way.

If you need a traveling notary public in the Baton Rouge area, feel free to call me 24/7 at 225-907-5280!

My New Notary Site

This is my latest, and hopefully greatest, notary site. My intent is to use this one as a notary blog/diary. I hope to update it daily, and hopefully share a bit of notary wisdom (that is earned through hard work!) along the way.

If you are in the Baton Rouge area, and need a notary that can travel to you, feel free to call me at 225-907-5280.