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The text discusses the use of a promissory note to fully pay off a car loan, addressing skeptics who doubt this method's legitimacy. It outlines that the total settlement amount is $10,161.48, as stated in a letter of guarantee. The payment is enclosed in the document, which also indicates that the title will be released to the owner and sent to State Farm to remove the lien on the vehicle. The text emphasizes that the process is genuine and encourages belief in the possibility of discharging an automobile loan using a promissory note.