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The speaker addresses skeptics regarding the use of a promissory note to fully pay for a car. They share documentation indicating a total settlement amount of $10,161.48, which was agreed upon through a letter of guarantee. The payment reflects the payoff of the loan, and the title will be released to the customer, with a copy sent to State Farm to remove the lien on the vehicle. The authorized representatives’ title is included in the documentation. The speaker asserts that discharging an automobile debt with a promissory note is real and possible, inviting detractors to reconsider their doubts.