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 Don't drink and sign
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Posted - 03/08/2007 :  3:09:49 PM  Show Profile  Visit jbelmont's Homepage  Reply with Quote
I was just reading another post in the free for all about "spillage" which is what happens when you drink and sign. Some notaries take the signers ( borrowers or anyone who signs the signature section of the docs not to be confused with a "signing agent" ) to a cafe to do the signing if the signer's home is not available. If the lender is okay with that then go ahead. But you must observe the "Don't drink and sign" rule. If you sign, don't drink, and if you drink, don't sign. Water, coffee, fine wine, fine beer ( generally Belgian ), or anything else for that matter can ruin a stack of loan docs in a few nano-seconds ( fractions of a second in scientific terms ). Imagine your mobile home rider frothed with capaccino foam, or you TIL soaked in grape juice. What a nightmare.

So whats the solution? OTM.. The "Other Table Method". Drink all you like... Have the new politically incorrect drink at your local cafe... the oussama bin latte.... If the borrower is an addict, a crackaccino.... or grape juice. Whatever.

So, when it spills ( and it will one of these days ), it will go on the floor ( maybe on your nicely shined shoes ) but not on the docs. So use an alternate table. Keeping a cap on a bottle of water is better than nothing, but not as safe as the "Other table method".

Q. What about food? Can I keep my burger on the signing table?
A. Not unless you are stapling a jurat to it. Ketchup is a surefire way to ruin a perfectly good 1003.
Q. Dry food?
A. Maybe peanuts, popcorn, and other foods that for sure will not make a mess.

So remember, don't drink and sign..... at least on the same table. If no table is available, pull up a chair.

FACEBOOK - May 27th, 2010
We had a discussion about this on facebook. Here are the highlights.

"I was informed not to accept anything from prospective buyers or clients."

"I keep a bottle of water in my bag"

"A borrower offered me a margarita for the road home. I couldn't see how that would end well"

"I was recently offered a beer and of course said no"

"I'm usually offered water or coffee, but refuse because I don't want accidental spills on documents."

"Its totally unprofessional to accept a glass of wine or a cocktail at a signing"

Jeremy's commentary
If there are alcoholicy drinks at a loan signing, you should have a designated signer.
Whats wrong with offering or accepting a drink? Where has hospitality gone?
If the lender were present at the signing, they might think about slipping some backdating concentrate into your drink to get you to backdate. Or, they might want to have you drink a few beers, before they pop the question. "Can you write the 24th on the certificate... please??? Thats only one day ago, nobody will know" But, don't worry, they are never there.
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