Frequently asked questions
No. We are not a credit repair organization. We provide credit education and coaching so you can understand your reports, learn your rights, and take your own next steps.
The phrase “Big Beautiful Bill” is a non-technical, informal term often used online to describe major tax or spending legislation. It is not an official IRS or Congressional bill title.
Tax changes that affect you are governed by federal law passed by Congress and enforced by the IRS, not by informal or social-media names.
👉 We help clients understand what changed, what applies to them, and what does not based—based on official IRS guidance.
Official source: IRS News & Tax Reform Updates –Newsroom | Internal Revenue Service
A: The notary fees in Virginia are regulated by the state and are subject to periodic updates. As of 2025, the maximum fees notaries can charge for their services in Virginia are anticipated to remain consistent with prior adjustments, aligning with state guidelines. For notarizing signatures, the fee is typically capped at $5 per signature. For electronic notarizations, the maximum fee is generally set at $25 per notarization. It's always advisable for clients to verify the exact costs with their notary to ensure they are aware of any additional charges that might apply based on the specific nature of their documents or any travel fees if the notary is required to visit a particular location. If you have further questions or need current notary services, feel free to contact us at bobccr227@gmail.com for detailed assistance and professional notary services tailored to your needs.
Start a recovery plan at IdentityTheft.gov, then follow the steps recommended for your situation (credit reports, freezes/alerts, documentation, and letters).
Official link: IdentityTheft.gov letters and steps. IdentityTheft.gov - Sample Letters
No. Coaching is educational and goal-based. We do not provide legal advice, and we don’t replace a licensed attorney, CPA, or financial advisor.
You can request your reports through the federally authorized site: AnnualCreditReport.com.
Official link: AnnualCreditReport.com Annual Credit Report.com - Home Page
We can provide education on common IRS payment options and help you get organized so you can communicate clearly. If you need an official IRS payment plan, you can apply through the IRS online payment agreement process. Online payment agreement application | Internal Revenue Service. Payments | Internal Revenue Service
No. We provide education, organization, and support in a confidential, judgment-free environment. Seeking information does not create legal, military, or IRS penalties.
No. Many clients start while rebuilding. We focus on clarity, structure, and progress—not perfection.
RON allows documents to be notarized electronically using secure audio-visual technology, where permitted by law.
We may review your income/expenses, debt list, goals, and (if you choose) your credit report. You’ll leave with a clear action plan and next steps.
Common documents include affidavits, powers of attorney, consent forms, acknowledgments, and sworn statements. Document eligibility depends on state law.
Yes, we are thrilled to offer our Remote Online Notarization (R.O.N) service to clients anywhere in the United States! Our service provides the convenience and flexibility you need, allowing you to get documents notarized without leaving your home or office. With our secure, compliant, and user-friendly platform, you can complete notarizations from any location, saving you time and effort. Whether you're in a bustling city or a rural area, we've got you covered! For more information, please reach out to us at bobccr227@gmail.com, and we’ll be happy to assist you. Notary Search Notary Applications Lookup
Start at IdentityTheft.gov to create a recovery plan and generate the right letters for your situation.
Official link: IdentityTheft.gov sample letters IdentityTheft.gov
Only if a separate written engagement and proper authorization applies. Otherwise, we provide education and preparation support, and the client submits/communicates directly.
Yes. If a payment plan is available for your package, we’ll confirm terms in writing before services begin.
We aim to minimize what we collect and store. If documents are needed for coaching support, we’ll confirm what’s required and how it’s protected before you share it.
No. Clients submit disputes and communications themselves. We can help you understand the process, organize your documents, and review what you plan to send before you send it.
We provide general tax education and help you understand IRS guidance. Personalized tax advice or representation requires a separate engagement and, where required, proper authorization.
An apostille is a certification issued by a state authority that verifies a document for use in another country under the Hague Apostille Convention. Certified apostille agents in the US - Apostille Agent Training Company
Yes—IdentityTheft.gov lists bureau contact options and steps you can take depending on your situation. IdentityTheft.gov offers resources to check your free credit report and FICO® score. Experian provides information on your credit report and how to get a copy. USAGov and ChexSystems.com share advice on free credit reports, while TransUnion and Equifax offer free credit scores, reports, monitoring, and alerts to help you stay informed about your credit.
Official links:
-Check Your Free Credit Report & FICO® Score
Learn about your credit report and how to get a copy | USAGov
-Free Credit Reports | Consumer Advice
-Free Credit Score, Report, Monitoring & Alerts | TransUnion
Yes, in many states, including Virginia, under specific laws and identity-verification requirements.
Yes. We may offer reduced-fee or no-cost services based on a documented hardship review. Your information is handled confidentially and respectfully—our process is designed to avoid judgment or causing problems for you.
Yes. We provide education and organization support so you can apply confidently. Clients submit their own applications through the IRS. Official resource: IRS Installment Agreements. Topic no. 202, Tax payment options | Internal Revenue Service
An IP PIN is a number the IRS uses to help prevent someone else from filing a tax return using your SSN. It’s especially helpful if you’ve experienced identity theft.
Official link: IRS Identity Theft Central (includes IP PIN guidance)Get an identity protection PIN | Internal Revenue Service
No. Credit outcomes depend on many factors, including what creditors and bureaus verify. We focus on education, strategy, and accountable habits.
Yes. Budgeting helps you pay on time, lower utilization, and prevent new debt—habits that often support credit improvement over time.
No. We do not request your Social Security number, bank logins, or credit bureau login credentials.
Unexpected bills, new accounts you didn’t open, credit denials, or unfamiliar inquiries can be signs. Sometime even children have their credit impacted as young as one year old.
Official link: IdentityTheft.gov warning signs IdentityTheft.gov - Warning Signs of Identity Theft
No. We follow strict data-minimization standards and do not request or store SSNs unless legally required and authorized under a separate tax engagement.
We assist with apostille facilitation and document preparation guidance. Apostilles are issued by the Secretary of State, not by notaries.
We provide tax education, document organization, and preparation support. Tax preparation services are offered only when applicable and under a separate written agreement. We do not provide legal advice.
Yes, where permitted and when identity verification requirements are met. Availability depends on document type and jurisdiction.
No. Approval depends on document validity and government processing. We help ensure documents are properly prepared before submission.
We combine structured money strategy (budgeting, debt payoff, savings) with credit education and accountability. Our goal is to help you build long-term habits—legally, ethically, and confidently.
No. RON involves a commissioned notary verifying identity and witnessing the signing in real time. E-signatures alone do not replace notarization.
Yes, you can use a phone to complete Remote Online Notarizations (RON) with bobccr227@gmail.com. Our platform supports mobile access, enabling you to securely conduct RON sessions through your smartphone. Make sure you have a stable internet connection, a functional camera, and microphone on your device. The process is designed to be seamless and user-friendly, ensuring that all legal requirements are met while providing the convenience of mobile access. If you need further assistance, our customer support team is available to guide you through each step of the process.
Hiring a Mobile Notary in Virginia through bobccr227@gmail.com offers you a convenient and efficient service at competitive rates. While fees can vary based on the specific services required and travel distance, here is a general breakdown: 1. Notarization Fees: In Virginia, the fee for notarizing a single document is generally $5 per signature. 2. Travel Fees: Travel fees can vary depending on the distance the notary must travel. Typically, this ranges from $25 to $50 for standard travel within a 20-mile radius. Additional mileage may incur extra charges. 3. Additional Services: If you require extra services such as printing documents, waiting time, or after-hours notarization, these might come with additional fees. Typically, after-hours services can add $25 to $50 to the total cost. For a precise quote tailored to your specific needs, please contact us at bobccr227@gmail.com. We're enthusiastic about providing you with top-tier mobile notary services throughout Virginia and ensuring your documents are notarized swiftly and accurately.
However, your coach has been professionally trained through the Ramsey Master Financial Coach program, which teaches the same proven, biblically based principles that have helped millions get out of debt, build wealth, and find financial peace.
In addition to Ramsey training, your coach may also hold certifications in:
Credit education and financial coaching
Business credit coaching
Tax preparation
Notary public and legal documentation support
Ongoing compliance, personal finance, and client service development
At Blessings Over Bondage Coaching & Consulting, our mission is to serve with faith, integrity, and transparency. You're not just getting a coach — you're partnering with someone trained to walk with you in truth, strategy, and spiritual support.
Your coach is an independent business owner, not employed by Dave Ramsey or Ramsey Solutions. They’ve been professionally trained through the Ramsey Master Financial Coach program, which teaches the same proven, biblically based principles that have helped millions get out of debt, build wealth, and achieve financial peace. Beyond Ramsey training, your coach may also hold certifications in credit education and financial coaching, business credit coaching, tax preparation, notary public and legal documentation, as well as ongoing compliance, personal finance, and client service development. At Blessings Over Bondage Coaching & Consulting, the mission is to serve with faith, integrity, and transparency. You’re not just working with a coach — you’re partnering with someone committed to guiding you with truth, strategy, and spiritual support. Proudly independent and faith-based, they’re here to help you take the next step toward financial freedom.No. Your coach is an independent business owner and does not work directly for Dave Ramsey or Ramsey Solutions.
A mobile notary is a commissioned notary public who travels to a client’s location to notarize documents. This provides convenience for individuals who cannot easily travel to a notary office.
At bobccr227@gmail.com, the safety and comfort of our clients are our top priorities. Our mobile notaries do not carry weapons. We believe in maintaining a professional and secure environment while providing notary services. Our team is trained in non-violent, de-escalation techniques and is thoroughly vetted to ensure they are trustworthy and reliable. If you have any concerns about safety during an appointment, please let us know, and we will do our utmost to accommodate your needs and ensure a safe and professional service experience.
While many military installations offer financial readiness programs, some service members and spouses feel hesitant to use them due to:
Lack of privacy: Concerns that seeking financial help could impact their career or be viewed negatively by leadership
Limited personalization: On-base counselors may offer general advice, not tailored coaching or follow-up
Inconsistent availability: Rotating staff or appointment delays can make it hard to get the consistent support families need
Fear of judgment: Many worry about being blamed for their financial hardship instead of being offered solutions
At Blessings Over Bondage Coaching & Consulting, we offer confidential, faith-based, and judgment-free coaching tailored specifically for military life. We understand the unique pressures of service—PCS moves, housing shortages, pay gaps, and deployment stress—and we walk with you step by step, not just one appointment at a time.
In Virginia, a mobile notary who is licensed to carry a weapon can legally do so. However, the notary must comply with all state laws and regulations concerning the possession and carrying of firearms. It's crucial to note that while the state law permits carrying a weapon if licensed, individual clients or specific premises where the notary provides services might have their own restrictions or policies prohibiting firearms. Therefore, mobile notaries should always verify and respect the rules and preferences of each client or location they visit. This practice ensures safety, compliance, and maintains the professional integrity expected from the services provided.
A mobile notary may notarize documents such as affidavits, acknowledgments, sworn statements, powers of attorney, consent forms, and other documents allowed by state law. We do not notarize incomplete documents or provide legal advice.
No. A notary’s role is to verify identity, witness signatures, and apply the notarial seal as required by law. We do not draft, review, or explain legal documents.
Valid, government-issued photo identification is required, such as a driver’s license, state ID, or passport. Identification requirements are governed by state law.
Yes. A notary must refuse service if identification is insufficient, the signer is unwilling or appears under duress, the document is incomplete, or notarization would violate state law.
Yes. All notarizations are conducted professionally and confidentially. Notaries are required to follow state laws regarding privacy and recordkeeping.
At bobccr227@gmail.com, we are committed to maintaining the privacy and security of your information. As a standard practice, a notary is required to keep their records for at least 10 years, in accordance with legal requirements and industry best practices. Our records are securely stored in a state-of-the-art, encrypted digital database to ensure your information remains confidential and protected against unauthorized access. Furthermore, access to this database is strictly controlled and monitored to maintain the highest level of security. Rest assured, your data is in safe hands with us!