CREATION AND ADAPTATION OF DIGITAL NOTARIAL DOCUMENTS

CREATION AND ADAPTATION OF DIGITAL NOTARIAL DOCUMENTS

We are going to present a series of ideas, which surely are open to criticism, but which are the result of hours of conversations with people who are dedicated to the digital-legal field, and of the investigation of what Private companies and notaries are developing on the internet.

Creation of electronic services.

Most of the issues that I am going to discuss stem from the need to collectively provide ourselves with two fundamental tools, at least to begin with: a secure file server and a time stamping tool for electronic files.

The first thing we need is to provide ourselves with a notarized hosting, or what is the same: a secure server to which the Notary can upload and deposit files. With this, we could access the management of digital files on a uniform and secure notarial server, which allows us, for example, to safely store the electronic documentation of a client in his folder (the authorized electronic copies of his articles of incorporation or appointment of the administrator) or deposit electronic files of all kinds.

The second of the bases is the time stamping, which serves to ensure the existence of any electronic file at a time and ensure that an electronic file has not been altered. The possibilities of its use pass to prove the existence of electronic communications (SMS, email, WhatsApp), the content of the general contracting conditions of any website or the publications of corporate websites.

Electronic records of the presence

Where the usefulness of these concepts is well appreciated is in the minutes of photographs, which would be taken directly and exclusively by the Notary, would be sealed in time with their electronic signature, and would be uploaded to the secure notary server. It would not work for those made by the client with his device, because all the data and parameters of the photograph can be falsified. Advantages? Many:

  • If the client is allowed access with a secure password to a virtual space, it, regardless of whether it has the physical copy, has all the photographs at its disposal from any device to view them, increase the zoom, etc.
  • In the same sense, video or audio files could be taken and incorporated. Perhaps it was interesting in Partner Boards or in the documentation of technical processes.
  • The photo is enriched with more intrinsic information, since current cameras store metadata in the photo file that allows obtaining information, for example, about the model of the camera that took the photo, the exact date and time (think that there are acts that can last several hours, in which it would be very convenient to have the specific time of each photograph) or the exact place where it was taken (for notaries who carry out their function in rural areas, it is very interesting to locate exactly a photograph in a large area farm).

Imaginative solutions using GPS data already exist on the market. The problem is that there are other applications that allow the smartphone to be tricked and change the GPS data, so the validity of the certificate when the subject presents the photographs is doubtful, despite the fact that the companies that market these applications constantly they try to improve their security. Now, what if the Notary could do it under his faith and responsibility, and knowing that the GPS data has not been altered?

Notarial acts of social networks and the internet.

Any electronic communication, web page or public social network should be capable of being notarized quickly, economically, securely and understandably. Certainly, if the social network or the web is private, the notarial acts find an important stumbling block, which is precisely the clash with the data protection regulations, an issue that goes beyond the scope of this exposition.

Wage or Compensation Garnishment

Wage or Compensation Garnishment

 

Wage or Compensation garnishments are a successful method to implement your court-requested judgment. At the point when account holder’s neglect to pay the cash they owe, lawful gathering endeavors should be executed so as to fulfill the obligation. The procedure is genuinely basic, and we’ll clarify how this lawful technique functions.

Things being what they are, what is a compensation garnishment? Embellishing wages is a lawful route for a judgment bank to gather on obligations owed. Court approved, wages can be seized, more often than not about 25% every month, until the obligation is fulfilled.

A Wage Garnishment is a quite clear procedure: In an ordinary case, your boss deducts 25% from your check and sends it to the bank. Most pay garnishments are the aftereffect of unpaid expenses or back owed kid support, yet it’s not bizarre for Mastercard obligation to be changed over to a Judgment through the legitimate procedure.

In the event that you have a Visa account that goes into default, the bank may choose to offer it to a Collection Agency. On the off chance that the Collection Agency invests a great deal of energy attempting to gather, and they’re ineffective, they may choose to transform it into a Judgment. This is generally practiced by recording a claim in Small Claims Court or Superior Court. Ouch.

In case you’re a leaser, the principal thing on your daily agenda is to locate the subject’s business. I composed an article on the most proficient method to discover somebody’s business that will enable you to achieve this undertaking.

Beginning stage: The Court-Ordered Judgment

There is one thing that you can make certain of – the Creditor needs to recuperate their misfortunes. In the event that the Visa organization, or obligation gathering organization, is fruitless in recouping the obligation, they may and transform it into a Judgment. On the off chance that the decision goes in support of them, and against you, a Judgment might be given. This at that point gives the leaser the lawful power to decorate your wages, demand on your financial balances, and even put a dynamic on any property that you claim – or may possess later on. Depend on it – a court-requested judgment is an extremely incredible bit of paper.

When the judgment against you is rendered (you for the most part have 30 days to document an intrigue), there’s very little you can do. You could request that they bring down the garnishment sum in light of the fact that, by law, they can take 25% of your void pocketsdisposable wages. Or then again settle. Or then again announce Chapter 7 or 13 insolvency.

You could attempt to contend that the sum being deducted from your check is causing extreme hardship. On the off chance that State and Federal garnishment laws struggle, the garnishment must be acclimated to the lower sum. You may wish to check the United States Department of Labor site and set out to find out about compensation garnishments.

Another issue you will have with the Judgment against you is that on the off chance that you claim property, the loan boss can record a conceptual in that County which basically puts a lien on any property you possess in that County. Much more terrible, on the off chance that you don’t right now possess property, the theoretical/lien will connect to any FUTURE property that you may claim. You won’t have the option to sell or renegotiate until the Judgment is satisfied. As a matter of fact, upon the clearance of the property, the Judgment Creditor gets satisfied first. There goes your value.

Sorts of Wage Garnishments

You could have your wages embellished for any number of reasons. Recorded underneath are the most well-known reasons why your wages could be decorated:

Understudy Loans

Kid Support

Divorce settlement

Back Taxes

Doctor’s visit expenses

Unpaid Court Costs

Charge card Bills

There might be different reasons, yet the above will include about 95% of the reasons why your wages are being decorated. Keep in mind that Mastercard bills can be changed over to decisions. That is bad, as now banks that issue Mastercards would now be able to come after you.

What Rights Do I Have?

Borrowers have rights, and most are recorded under The Fair Debt Collection Act (FDCA). Legitimate moves made by leasers are intently viewed by the administration, so don’t be hesitant to practice your privileges. Know the law, and counsel with a skillful lawyer if necessary.

A court request is required so as to trimming compensation. Kid support and back expenses may not matter here. Managers are basically not going to retain your wages except if they’re compelled to by lawful methods. They will be presented with the best possible administrative work, and afterward start the garnishment. There are likewise fines and different legalities included when businesses don’t go along.

It’s dependent upon you to know the law. There are confines regarding how a lot of cash can be decorated every month, and for to what extent the garnishment really endures. Do your homeowrk and comprehend the procedure.

Pay Garnishment Exemptions

There are sure monies that pay garnishments can’t contact. These are not written in stone, yet they give you an entirely smart thought of what can’t be decorated.

Kid bolster cash

Support

Handicap

Standardized savings

Some retirement accounts

Likewise, recall that your wages can be embellished at just 25%. There are a few special cases, however you can pursue that rule. What’s more, it’s 25% TOTAl for the payroll interval. It doesn’t make a difference if there are numerous garnishments set up, as they can just retain to such an extent. Normally, just a single garnishment would be set up at once. At the point when that obligation is paid, at that point the following garnishment would have its spot.

How Might I Prevent a Wage Garnishment?

This can be intense and takes some work. In the event that seeking financial protection is impossible, at that point you do have a couple of choices. Keep in mind that since you petition for financial protection doesn’t imply that the liquidation lawyer will enable you to proceed with the procedure. Ordinarily, they will verify that you have a lot of alternatives and reject your liquidation guarantee.

If all else fails, document for Chapter 7 liquidation.

Did the loan boss pursue technique? React to their interest letter.

Is the obligation previously satisfied? You’re going to need evidence.

Chat with the leaser and investigate different choices. Arrange and perhaps settle for a lesser sum.

A few states offer extra solutions for pay garnishments. Investigate them

It’s difficult to counteract wage garnishments. In the event that you genuinely owe the obligation, there’s truly very little you can do. Counsel with a certified lawyer to investigate your alternatives. Keep in mind that you can generally pay extra cash every month to satisfy the obligation faster.

I Paid Off the Debt. What’s Next?

Alright, so you satisfied the obligation. What comes straightaway? More often than not, the compensation garnishment closes for any of the accompanying reasons:

You really satisfied everything of the obligation

You documented Chapter 7 liquidation

you documented Chapter 13 liquidation and are re-paying the obligation under an alternate arrangement

You settled the obligation for an authoritative sum

You documented with the court to stop the compensation garnishment

When you pay off the obligation, ensure you get affirmation from the first lender. Keep a duplicate of the desk work in a protected spot demonstrating the full installment of your obligation. Screen your credit report and ensure that it’s forward-thinking. There is nothing more disappointing than satisfying the obligation despite everything it appears as a negative on your credit report.

With respect surprisingly report, it’s as yet demonstrating that you had the obligation, it was real, and that you paid if off. It relies on the state with respect to what extent this will remain on your credit report.

End

On the off chance that a pay garnishment has been recorded against you – don’t freeze. Consent to the court request, and endeavor to settle or satisfy the obligation. Your manager must choose the option to go along, and there are punishments on the off chance that he doesn’t don’t as well, attempt and consult with him. Beyond a shadow of a doubt – a compensation garnishment is an extremely negative passage on your credit report. Anybody pulling your credit will see this, and in case you’re applying for any kind of new credit – it will be a factor.

Related Questions

Imagine a scenario in which a compensation garnishment starts and it’s not my obligation. This can make issues. On the off chance that it’s not your obligation, at that point clearly something is failed. You might be a casualty of data fraud, or it might be an obligation you had in the past that you previously satisfied. You have to investigate this right away.

How might I stop the compensation garnishment? To start with, inquire as to whether this is extremely your obligation. On the off chance that it is, at that point you most likely must choose the option to consent – or consult with the bank. Compensation garnishments are not kidding business and do whatever you legitimately can to stop the garnishment – or pay the obligation.