Author Archives: r.owens@outlook.com

Field Inspections…

Field Inspection work can involve several different types of work.  Recently, I performed an onsite inspection of a vehicle that was damaged in a car accident.

When I arrived at the insured person’s location, he pointed out the damage that he was reporting to his insurance company.  I opened an app on my phone which had been supplied by the company that I had contracted with to do the inspection.  The app guided me through the positions required to take pictures needed by the actual adjuster.  As I was going through the process, the insured became slightly upset because many of the pictures that I was required to take were interior shots, He didn’t want pictures taken of some of his personal property.  Once I explained to him that the pictures were required to process his claim. he calmed down and became cooperative.  The entire process was completed in about 20 minutes.  Image files were uploaded from my phone to the hiring company’s website for approval.

From there, the pictures will be forwarded to the insurance adjuster, who will have the claim processed and closed out within days.

TEXAS TAX LIEN LOAN SIGNING

          In the state of Texas, property owners who are unable to pay their county property taxes face serious problems.  The county in which the property is located will add penalties every 30 days during the period of time that the taxes remain unpaid.

This can snowball into an incredible amount of money due by the time that property owners default on all notices received about taxes due.  In some instances, property owners can work out a payment plan with the county, but more often than not, they find themselves “up against a rock in a hard place”, as my parents used to say.

Property owners are typically given ” a line in the sand “; a due date that their taxes must be paid, or they will lose their property to the county, who will then sell the property on the courthouse steps typically for the amount of back taxes owed, which is considerably less than the actual property value.  The owners lose the right to maintain occupancy and ownership, as well as any equity built up in the property.  They are forced to start over in another residence.

The same scenario also happens with owners of multiple properties, including commercial real estate and rent houses.

One option available in this situation is for property owners to obtain a property tax lien loan.  These loans typically do not require a credit check or down payment.  The loan typically merely requires verification of ownership, employment, income, and personal reference verification.  The loans typically carry a higher interest rate than a customer would receive on a personal bank loan.

On Saturday, 05/27/17, I had the pleasure of signing a repeat customer for one of the companies who offer tax lien loans.  This is the third time I’ve met with this couple, who own multiple properties.  They were up against a deadline, needing their taxes paid by the last day of the month.  We were able to complete filling out the loan package and notarizations without any difficulty.  After leaving the residence of the borrower, I went to my car and hooked my laptop to my portable scanner, and made a pdf file of the load package.  This file was then securely emailed to the loan company so that they could begin processing the payment of taxes when their office opens on the morning after the Memorial Day holiday.

I then proceeded to pack up the documents for FedEx shipping and dropped the package for Saturday pick up, and first overnight delivery to a city a few hundred miles away.  This effectively saved this couple additional charges on their amount owed to the county and prevented them from losing ownership of their properties, which they have worked hard to earn over the years.

I’m happy that acting in my role as a state official, Notary Public, I was able to help this company and owners solve the problem in a professional manner.

If you would like more information about property tax lien loans, I will be happy to provide you with some links for more information.

** Please note that I am not an attorney licensed to practice law in the state of Texas, and can’t give legal advice. **

Robert Owens, Notary Public for the State of Texas

Notary Public, State of Texas

Notary Public, State of Texas

My First Wedding!!

My first experience with a wedding was my oldest sister Sherrie’s wedding back in the 60’s. Yes, that’s right, the 1960’s – shows my age, right? Anyway, I was only about 5 or 6 years old when I was privileged to be the ring bearer for my sister’s wedding.
Of course, being just a small fry, I was amazed, scared and delighted all at the same time! This was a special time for my family. All of our immediate family together at one time, with all 5 of Sherrie’s siblings participating in her special ceremony.
So, over 50 years later, Sherri and her husband James are still married, and have lived a very nice life, due to their hard work and stong Christian beliefs.
Or could the fact that I was involved have something to do with the longevity and happiness of their marriage? I know…sometimes I become delusional and amaze myself! Anyway, looking back, it was a very special treat for me to be in her wedding. I’d be very happy to be a part of your wedding. Please give me a call, and we can discuss your plans!

How To Get Married in Anderson County, Texas…

As of January 1, 2014, the fee for a marriage license is $82.00 (cash only).  However, there is a way to get part of this fee waived.  The legislature passed HB 2685 which authorizes a statewide initiative to promote “Healthy Marriages”.  You must have a Twogether in Texas certificate before the county clerk can give you the waived fee of $60.00.  The Clerk will only issue Certified Copies of Marriage License. For more information on where these courses are offered for TWOGETHER IN TEXAS go to www.twogetherintexas.com.

Click here to download a marriage application form

You must first obtain your marriage license by appearing in person at the Anderson County Clerk’s office, located at 500 N. Church Street, Palestine, TX 75801.  The phone number is 903-723-7402.  Office hours are 8 am until 5 pm, Monday – Friday, with a lunch break between 12:00 and 1:00 pm each day.

There is no blood test required.  Both members of the couple must appear in person, with a valid photo ID, such as a driver’s license or passport.  Once the license is granted,  the couple must wait at least 72 hours before getting married.  The license is valid for 90 days.

“I am not an attorney and can’t give legal advice”