Legal Signature on DV letters or other.

[TomnTex]

It has often been brought up on here what constitute a legal signature on a DV or other correspondence sent to a JDB or OC. I've always typed my signature, then scribbled over it my written signature to prevent them from scanning or copying my signature. I guess a lot of us are paranoid in this regard. Calawyer would have the best advice regarding this matter but, I found the following on Wiki Answers:

Signature

This entry contains information applicable to United States law only.

A mark or sign made by an individual on an instrument or document to signify knowledge, approval, acceptance, or obligation.

The term signature is generally understood to mean the signing of a written document with one's own hand. However, it is not critical that a signature actually be written by hand for it to be legally valid. It may, for example, be typewritten, engraved, or stamped. A signature consists of the act of writing one's name, coupled with the intention of authenticating the instrument or document signed. The purpose of a signature is to authenticate a writing, or provide notice of its source, and to bind the individual signing the writing by the provisions contained in the document.

Because a signature can obligate a party to terms of a contract or verify that the person intended to make a last will and testament, the law has developed rules that govern what constitutes a legally valid signature. The internet and other forms of telecommunication have created the desire to transact legally binding agreements electronically. Some states are beginning to pass laws that recognize the validity of "digital signatures."

Requisites and Validity

When an instrument must be signed, it is ordinarily adequate if the signature is made in any commonly used manner. Variations between the signature and the name appearing in the body of the instrument do not automatically invalidate the instrument.

In the absence of a statutory prohibition, an individual can use any character, symbol, figure, or designation he wishes to adopt as a signature, and if he uses it as a substitute for his name, he is bound by it. For example, if a contract refers to " William Jones" but Jones signs his name "Bill Jones," the contract is still enforceable against him. An individual can also use a fictitious name or the name of a business firm. A signature might also be adequate to validate an instrument even if it is virtually illegible. The entire name does not have to be written, and the inclusion of a middle name is not significant.

An individual satisfies the signing requirement when someone who has been duly authorized to sign for him does so. In the event a statute mandates an instrument be signed in person, the signature must be made in the signer's own hand or at his request and in his presence by another individual.

In a situation where an individual intends to sign as a witness but instead inadvertently signs the instrument in the place where the principal is to sign, the fact that she should have signed as a witness can be shown. Conversely when a signer intends to sign as a principal but instead signs in the place for a witness, that fact can also be shown.

Abbreviations, Initials, or Mark

In situations that do not require a more complete signature, an instrument can be properly signed when the initial letter or letters of the given name or names are used together with the surname (J. Doe), when only the full surname is used (Doe), when only the given name is used (John), or even when only the initials are used (J. D.).

A mark is ordinarily a cross or X made in substitution for the signature of an individual who is unable to write. In the absence of contrary statutory provision, a mark can be used by an individual who knows how to write but is unable to do so because of a physical illness or disability. A mark has the same binding effect upon the individual making it as does a signature. In some statutes a signature is defined as including a mark made by an individual who is infirm or illiterate.

Generally the name of the person who makes her mark can be written by anyone, and the mark is not necessarily invalidated because the individual writing the name accompanying the mark misspells the name or because the words stating that the symbol is intended as a mark are omitted. In the absence of a statute that requires a name to accompany the mark, the validity of the mark as a signature is not affected by the fact that a name does not accompany it.

When a mark is used as a signature, it can be put wherever the signature can appear. When there is a requirement that the name must accompany the mark, the fact that the mark and the name are not in immediate proximity does not invalidate the mark.

Certain statutes mandate that a witness must attest to a signature made by a mark. Under such statutes, if the mark is not properly witnessed, the instrument is not signed and is legally ineffective. These laws were enacted to prevent fraud, because it is difficult, if not impossible, to later determine if the alleged signer actually made the mark.

Edited October 25, 2012 by TomnTex

[nascar]

It has often been brought up on here what constitute a legal signature on a DV or other correspondence sent to a JDB or OC.

Can you point to the section in 1692g that requires a written dispute to be signed by the consumer?

[BrunoTheJDBkiller]

Where are you going with this, Tom? It isn't quite clear. I would only challenge a signature if it was on a critical piece of evidence, not a letter from a collection agency. Affidavits are the best to challenge. To do this, you need certified or verified court approved copies of the documents, then you submit them to a forensic document examiner (like Drew from Pawn Stars TV show) then you pay Drew or whomever as an expert witness after disclosing him to the other side as an expert witness so they can challenge or depose him if they want. This can get pretty involved and very expensive.

[TomnTex]

Where are you going with this, Tom? It isn't quite clear. I would only challenge a signature if it was on a critical piece of evidence, not a letter from a collection agency.QUOTE]

Bruno, the reason I posted this was because, in the past members have asked Whether they should sign their DV letters or not. I looked into what was a legal signature and came up with my original post.

Also, as noted, doesn't matter whether or not you type or sign your name, use initials, nickname or scrawl your name, it can all be considered legal from the way I read it. Just thought I would pass it on.

By the way, for those that use windows explorer and have problems spelling. Do a Google on ISPELL and download it, great little spell checker, it may work on other browsers to. Also, may be other spell checkers out there.

Edited October 26, 2012 by TomnTex