A promissory note is a financial instrument that contains a written promise by one party (the note's payer) to pay another party (the note's issuer or maker) a definite sum of money, either on-demand or at a specified future date. Many don't know that promissory notes can also be a negotiable instrument when the promissory note contains a promise to pay a certain amount without conditions. Checks, bills of exchange, and promissory notes are all considered negotiable instruments. This book is intended to help you learn what a promissory note is and how to use it to resolve your debts.