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The tutorial explains how to write a promissory note that banks will accept, addressing common questions about creating such notes. It points out that a promissory note is essentially produced every time you sign documents like credit applications, loan agreements, or court documents. These signatures constitute promissory notes that you have created and issued to the respective entities. The tutorial emphasizes that your signature signifies acceptance, as it reflects your commitment, even if the bank hasn't formally accepted it. This understanding is crucial for those looking to use promissory notes to pay off debts.