The offense is FRAUD. Depending on the wording of the law in your jurisdiction it may be either a misdemeanor or a felony.
There are two types of documents commonly referred to as "notarized", but which are completely different from one another. The first is a sworn statement, like an affidavit. The person signing is under oath that it is true under penalty of perjury. The notary countersigns with the satement "Sworn to and subscribed before me this __ day of ___. The other is an acknowledged document, like a deed or mortgage. Here the notary countersigns with a "acknowledgement". The exact form is usually spelled out in state statutes; however essentially it says that the person who signed it identified himself/herself to the notary and signed it in the notary's presence. It is not made under oath and is basically just a means of proving that the document was in fact signed by the person signing it.
subpoena
The name this document is called "A Culture of Life and the Penalty of Death".
There usually is a penalty for using an ATM at another bank. This penalty is usually just a small monetary fee.
Yes, two shot penalty or loss of hole in matchplay. Using another players club is a penalty. Better have your own club.
Penalty for forging a NJ License is $150,000 fine or up to 10 years in prison
no
No it is not.
It could be used as evidence against the recipient if the creditor has to sue them in court.
NO!Another VIew: YES!
Capital punishment.
yes, unless in your state or the state of the lender there is no prepayment penalty. It may not be included in the verbiage on the Note--to see if it is mentioned there. It may have different information than the page titled "Prepayment Penalty."