Steven Dwayne Ransom

  Principles of Notarization Notarization is a crucial process that helps ensure the authenticity and legal validity of documents and transactions. At its core, the practice relies on several key principles: 1. Impartiality and neutrality A notary acts as a neutral third party, without personal interest or bias, ensuring the integrity and fairness of the process. Notaries should not notarize documents in which they have a personal or financial interest, to maintain objectivity and avoid conflicts of interest. 2. Verifying identity and deterring fraud Notaries verify the identity of the document signer(s) to prevent fraud and impersonation,  according to Notary Public Stamps . Proper identification, such as a driver's license or passport, is typically required,  says Notary Public Stamps . 3. Ensuring willing and informed consent Notaries confirm that the signer(s) understand the contents and significance of the document and are signing willingly and without duress or coer...

  Ransom Notary offers a variety of notary services in Melvindale, serving Wayne County and the surrounding Downriver area. These services include:  Notarization of various types of documents. In-person and electronic notarization, remote online notarization (RON), is also notarization conducted remotely via online platforms.  Steven Ransom is a Notary Public in Michigan who operates under the name Ransom Notary or Ransom Notary Service™. His is based in Melvindale and primarily serves Wayne County and the Downriver area.  Services offered General Notary Work (GNW) Remote Online Notarization (RON)  Flexible service is available on weekdays and weekends, including holidays. My fees are based on distance and document type.  Important limitations Ransom Notary is not licensed to practice law or give legal advice. Note: Ransom Notary is committed to professionalism and ethics in providing notary services  As a notary public, Steven Ransom can notarize a wi...

No, a loan officer cannot notarize their own loan paperwork .   A notary public must be impartial and disinterested in the transaction they are notarizing. If a loan officer were to notarize their own loan documents, it would create a conflict of interest, as they would have a direct financial benefit from the transaction. This impartiality is essential to the integrity of the notarization process and to prevent fraud. Most states have laws specifically prohibiting notaries from having a direct or pecuniary interest in the record they are notarizing. Any notarial act performed in violation of these laws could be considered voidable and put the transaction at legal risk.   Instead, the loan officer should have another authorized notary public notarize the loan documents. This ensures that the notarization is conducted by an impartial party and helps maintain the legal validity of the documents.  

Notaries must verify the identity of signers through acceptable forms of identification, such as state-issued driver's licenses or passports. If the signer is not personally known to the notary, they must present satisfactory evidence of identification, typically a photo ID with a physical description and signature. Some states allow credible witnesses to vouch for the signer's identity under specific conditions.  Key Guidelines: Personal Knowledge: Notaries can rely on personal knowledge of the signer if they are sufficiently familiar with the individual.  Satisfactory Evidence: If not personally known, the signer must provide an acceptable form of identification.  State and Federal IDs: Acceptable forms of ID often include state-issued driver's licenses, identification cards, U.S. passports, and other government-issued IDs with photos and signatures.  Credible Witnesses: Some states allow for credible witnesses, who must personally know the signer and may also need...

Best and worst customer service practices for Notaries and Signing Agents Notaries and Signing Agents play a vital role in ensuring the validity of documents and upholding legal compliance. Excellent customer service not only enhances client satisfaction but also builds a strong professional reputation. Best practices Punctuality and reliability:  Arrive on time for every appointment, if not a few minutes early, and always provide timely updates to clients and signing services. Professionalism and appearance:  Present a professional image, dress appropriately, and maintain a courteous and respectful demeanor. Clear and effective communication:  Explain the notarization process and requirements clearly and concisely, avoiding legal jargon. Actively listen to client concerns and address questions thoughtfully and confidently. Expertise and attention to detail:  Be thoroughly knowledgeable about state laws, regulations, and notarial certificates. Carefully review docume...

Notaries have a crucial role in verifying the identity of signers to prevent fraud and ensure the integrity of notarized documents. Here are the general guidelines for accepting signer identification: 1.  Acceptable forms of identification Commonly accepted IDs include state-issued driver's licenses or ID cards, U.S. Passports or Passport Cards, and U.S. Military Identification Cards. Permanent Resident Cards are also accepted and include a photo. Other valid options may include certain government-issued IDs, foreign passports (depending on state rules), Canadian or Mexican driver's licenses, and IDs approved by the U.S. Department of Homeland Security. For individuals in custody, an inmate ID from the Department of Corrections or Federal Bureau of Prisons may be acceptable. 2.  Key features required on ID Acceptable identification typically requires a clear photograph, a physical description that matches the signer, and the signer's signature. While not always legally requ...

When a Notary may refuse to notarize and when refusal is not allowed Notaries Public serve as impartial witnesses and have a duty to deter fraud. This means there are situations where they  must  refuse to notarize a document, but also circumstances where refusing would be inappropriate or even illegal. There are several situations where a notary may or must refuse to perform a notarization. These can include issues with the signer, such as inability to properly identify them or concerns about their capacity or willingness to sign. Document-related reasons include incomplete or suspicious documents. A notary must also refuse if there is a conflict of interest, such as being a party to the transaction or related to the signer. Other valid reasons for refusal may exist based on state law or specific circumstances.   However, notaries are public officials and cannot refuse a lawful request based on personal bias. Reasons like the signer's background or disagreeing with the d...

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  Notary charged with document fraud In cases where a notary public is charged with document fraud, the consequences can be severe, ranging from professional repercussions to criminal penalties .   Here's a breakdown: Professional Consequences: Suspension or revocation of the notary commission:  This is a common outcome, potentially permanent,  according to the National Notary Association . In Michigan, MCL 55.300a states that the Secretary may impose penalties if they have satisfactory evidence that the applicant has violated the act, a rule promulgated under the act, or an order issued under the act. Ineligibility for a new commission:  In Michigan, the Secretary of State may deem an individual ineligible for a new commission for at least 5 years. Civil fines:  These can be substantial, depending on the state and the nature of the misconduct. Criminal Penalties: Misdemeanors or felonies:  Serious cases of misconduct can lead to criminal charges. In M...