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after final payment is made by the debtor to the creditor and such a payment has satisfied to the totality of the debt or obligation a debt release letter can be used to inform the creditor that the debt has been satisfied and that there was no other obligation from the debtor to the creditor to fulfill a debt release letter can also be directed to any third party that is related to the original transaction between the debtor and the creditor to make them aware that the debt has been satisfied once the creditor has received the debt release letter and the last payments are made the creditor usually replies to the debtor by releasing the debtor of any debt or obligation contained in the original agreement