How to Create A Promissory Note

How to Create A Promissory Note

– Hey there, this is Seth, and in this video, I’m going to give you a really quick overview of
what a promissory note is and how you can put one
together really quickly, if that’s something you need to do. A promissory note is a
type of lending instrument that has been used for centuries. And essentially what this
is is just a simple document that lays out the terms and conditions between a borrower and a lender. And it basically just explains
that there is a set amount of money that the borrower
owes to the lender, and it usually details
any interest payments that are included with that. Promissory notes can
be set up in all kinds of different ways. You can set them up with balloon payments, so basically there’s
interest-only payments for a certain amount of time, and then boom, the entire
balance is paid off, or you can set it up with what’s called straight line amortization,
which is basically just a fixed payment for the life of the loan. There isn’t a balloon payment at the end. A lot of times, promissory notes are used in conjunction with real
estate transactions, whether you’re getting a bank loan or a mortgage, or a deed of trust. A promissory note is
part of the documentation that spells out the
terms of those payments between the borrower and the lender. Now, it’s important to point
out that a promissory note is a different thing than a mortgage. A promissory note is a different thing than a deed of trust. In those kinds of real
estate transactions, the mortgage is what actually
secures the property, so that’s what gives the lender the right to go in and take that property back if the borrower ever stops paying, whereas the note simply spells
out the obligation to pay. A lot of times, the information
that’s baked into the note won’t necessarily be in
the collateral instrument, and the information baked
into the collateral instrument won’t necessarily be
in the promissory note. Sometimes you’ll see some crossover there, but that’s not necessarily
always the case. Now, promissory notes, of
course, are not just limited to real estate transactions. These are used between
businesses, governments, individuals, all kinds
of different situations where one party owes
money to another party, whether it’s one government that’s lending another government a trillion dollars, or if it’s parents lending
their child a thousand bucks, and they want to make
sure they get paid back. If there’s a set amount
of money that’s being lent from one party to the other, the lender is actually
expecting to get paid back at a certain point in time with a certain amount of
interest, at certain intervals, it’s a really good idea to create a note, just so there is no confusion
about what’s going on, and it’s actually something
that can legally back up the lender, if the
borrower ever stops paying. It’s a written record of the
borrower’s obligation to pay. So if you’re looking for a note template, there’s all kinds of versions out there. Some of them are very, very
simple, one page documents. Others can be ridiculously complicated, but the one that I want
to show you right here is really easy to fill out. It’s with a website called RocketLawyer. The reason I like RocketLawyer is because they give you a
very simple questionnaire where you just enter in
all the basic information that pertains to your situation, and it will create the
entire document for you, so it kinda helps you make
sure you don’t miss any items or leave anything blank
that should be filled in. I don’t want to tell you that’s the same as getting a lawyer to do it for you, because it’s not, but if you’re intent on doing this yourself and you’re willing to take
any risks inherent in that, I think RocketLawyer is a great way to go. So if you’ve got a few
minutes, I’m going to take you through the RocketLawyer website and show you exactly how to fill it out, just for a hypothetical situation. And you can see what I mean, and you’ll kind of get an idea for just how easy it is. Follow along, and I’ll
show you how it’s done. Okay, so I’m going to include
a link beneath this video that links directly to this exact page that you’re seeing right now. So if you just click on that,
it’ll bring you right here. All you’ve got to do to get
started on your promissory note is just start by selecting
whatever state you’re in. Go ahead, I guess in this
case we’ll do California in this example. Then the first thing you’ll see here is you need to enter in the loan
amount and the start date. In this hypothetical
example, I’m just gonna put a loan amount of $20,000. For the start date, we’ll
put January 1, 2017. Who is borrowing the money? We’re gonna say this
is between two people, but if you wanted to do
it between businesses, you could obviously do that too. In this example, I’m gonna
say that I am the lender and this other person, we’ll
say his name is John Smith, he is the borrower. We’ll start by putting in
the name of the borrower, and then we’ll put in his
mailing address, as well. This is a fake person, just
in case you were wondering. If there are multiple borrowers,
you would check this box down here, but just to keep this simple, we’ll say it’s between
two people in this case. Then who is lending the money? We’re going to say a person. We’ll say it’s me, I’m the lender. Again, if there were multiple people that were acting as the lenders together, you could check this. But again, I’m not gonna go there here. Then will John Smith have
to pay interest on the loan? We’re gonna say yes, this
is an interest-bearing note, and what’s the interest
rate John Smith will pay? You can really put whatever interest rate you come up with. In this example, I’m going to say 8%. Beginning date, we’ll
say it’s going to begin on January 1 as well. And also keep in mind,
if you ever get hung up or stuck on any one of these questions, perhaps you just don’t
know how to answer it or you don’t understand
what you’re supposed to be putting in here, at any point in time, you can
enter in a little question over here, just type in, say whatever your question is and then click that ask button, and it will go directly
to an actual attorney, and they will respond to you
with some kind of feedback on how to complete the document. So you’re not necessarily on your own if you’re filling out a promissory note through RocketLawyer. You can get help. Usually I think you’ll find
the explanations they put here are pretty helpful, like it’s pretty rare that I don’t understand
it after reading that. But if you do find
yourself in that situation, you do have access to attorneys through this site, as well. So in this case, if the
promissory note is not paid by the due date, will
John Smith be charged a higher interest rate on the
remaining principal amount? Basically, is there some kind of penalty as a result of not making that payment? In this case, we’ll say sure, yes. What will the default rate be? I don’t know, we’ll bring
it up to maybe 9.99%. How will the promissory note be paid? We’re gonna say in installment payments of principal and interest. That’s probably the most
common way that people do it. But if you wanted to do on demand, you just get it all
whenever you demand it, that’s one option, or you can set one specific date at which you get paid everything, so maybe three years from
now, you get all of it, but they don’t have to make
payments in the meantime. Or installment payments of interest only. So the principal balance doesn’t go down, but they do pay you that interest income. So a lot of different options. This top one is usually what I do, so that’s what I’m going to go with. What are the details of
the repayment agreement? I’m gonna say that this
loan is going to be paid off over the course of five years. So if we’re doing one payment a month, that would be 60 payments altogether. And then balloon payment,
that’s like if the loan was gonna amortize over 15 years, but we’re only gonna extend
these payments for five years, so basically at the end of the five years, there’s still a lot of principal owing, so at that point I would enter in what the balloon payment would be. In this case, I’m not gonna
put a balloon payment, I’m just gonna have it be amortizing with principal and
interest over five years. That’s how I’ll handle this. Should an amortization
schedule be included in this promissory note? That’s one of the really nice
things about RocketLawyer is that if you do choose
the option that I’m doing, or whatever you’re putting in there, it will actually calculate
what those payments are, it will create an entire loan schedule of those payments that need to be made. Just so there’s no
confusion about how much needs to be paid, what
those payments are going to, principal and interest, and
when those payments are due. So I’m gonna say yes,
definitely in this case. Will a late fee be charged
if an installment payment is past due? I’m gonna say yes, absolutely. For me, I’ll just say a late fee of $25. Probably sort of depends
on the amount of the loan and what you think is a appropriate. But if you want to do a
fee, put that in there. And then when will the
late fee be charged? I usually say like 15
days after the due date. If you wanted to 10 days,
you could do something like that too, or whatever
you want, obviously. And then, will John
Smith receive a discount if the promissory note is paid off early? I’m gonna say no. But if for some reason you
wanna give an incentive to your borrower to hurry
up and pay you off sooner, you could say yes, and then specify what
that discount would be. Can early payments be made
on the loan without penalty? In my case, for my situation,
I almost always say yes, that’s fine if they pay
that without penalty, because I’d rather be paid off early than not paid at all. That’s what I would do, but again, that’s not what you have to do at all. Whatever the situation is
between the borrower and lender in your situation that will govern whatever the right answer is for you. So anyway, I’m gonna click yes here. Click continue. Will this promissory note
be secured with collateral, personal property or real estate? If this like specifically
for a real estate deal, say if you’re doing a promissory
note with a deed of trust, then you would say yes, absolutely. You’re obviously free to say no as well. In this case, I usually
use this kind of thing in conjunction with a deed of trust, if and when I’m ever using a note. So I’m gonna say yes. And then which type of
property will John Smith use to secure the promissory note? Personal property, that
basically means equipment, so if there was some piece of equipment that you could remove from a property, or take and then liquidate to recover from the defaulted amount, that’s what personal property is. Real estate is exactly
what it sounds like, just real estate. If the borrower has land, or a house, or some kind of property that’s the ground or fixed to the ground,
that would be real estate. Or none. Again, I’m going to chose
real estate in my case. And then, what is the real
property being secured by? I usually do a deed of trust, because usually when
I’m using this document, it’s in conjunction
with a sale of finance, piece of real estate that I’m selling, which if I’m using a
promissory note at all, it’s because it’s in conjunction
with a deed of trust. A mortgage deed is another
option in some states, but in most of the places where I work, the deed of trust is the one to use. And then when was the
deed of trust signed? We’re gonna say the
closing date for everything is January 1, so we’ll
stay consistent with that. What is the address of the
real property being held as security? You would just put in
whatever that address is. So we’ll just make something up here. Which state’s laws apply
to this promissory note? We’re gonna say California, because that’s where the property is,
that’s where the borrower is, and that’s just kind of
where most of the stuff is. If you wanted to do, you
could put whatever state you are residing in, so that any court cases have
to come to you to get resolved. That’s really whatever you want to do. I’m not gonna tell you
what the best option is. It’s kind of up to you to decide. Once you’ve got that selected,
you would click continue, and then will there be a
co-signer on this loan? In other words, is there
going to be another person supporting John Smith
to be legally obligated to make the payments? If there is, obviously you could put them and include their information. I’m gonna say no, just to keep it simple. And then will Seth
Williams be able to sell or transfer the loan to another party? So if you ever wanted to
be able to sell the note and basically just get paid, that’s something some people like to do. I personally don’t see why not. It’s nice to just have the option, doesn’t mean you have to do it. So I’m gonna say yes in this case. Once that’s finished,
RocketLawyer will generate the promissory note document for you, with all the information you put in there, and as you can see, it’s pretty
straightforward and simple. This shows us exactly what
the language of the note looks like, there’s the
amortization schedule as well, which calculated all the payments and lists all the due dates, and we can also go
ahead and download this. I’m going to download
it as a Word document. Also, keep in mind, if you want, you can sign this right here, digitally. Why don’t I just go ahead and do that? Once you’ve signed it, it’s pretty cool. All you have to do is
enter in the email address of the borrower, whatever that is, and then it will send this to them and then they can sign it digitally. So you don’t even really
have to print it off if you don’t want to. Again, that’s totally up to you. Once you’ve downloaded
it, you can go ahead and open it up, and then
you can see it right here. Let’s change the view of
this thing a little bit. There you have it. As you can see, it’s
pretty straightforward and easy, it’s not a terribly
complicated document. It’s got all of the blanks
where people need to sign. It’s pretty easy to follow,
you just read the information. If you have any questions about it, and obviously since
this is a Word document, you can edit any of this if you want. I can just highlight it and delete it and replace whatever you want to. If you wanted an attorney to
review this for any reason, you could do that. And then down here, we’ve got the loan amortization schedule, it looks a little messed up. If you wanted it to look
a little bit sharper, you could download the PDF version. There we go. On the PDF, it’s a little bit easier to read the amortization schedule. That’s the nice thing, is
that you can download it in an editable format,
or you can download it in a format that cannot be changed. Say, if you wanted to email
this to the other party, and you didn’t want them to
be able to mess with anything, this is a great way to do that. So yeah, that’s how RocketLawyer works if you want to put
together a promissory note. Pretty easy to do. RocketLawyer is a really solid option. I’ve been using this site
for several months now. I’ve found it to be really helpful. They’ve got, like, literally hundreds of different legal forms and templates that can be specified
based on whatever state you’re working in. Pretty much any document you
can imagine, it’s all here. So if this is something
you want to check out, the price is really not bad, especially if this is something
you’re going to be using on an ongoing basis. It’s set up as a subscription. This is the one that I’m
currently using right now, and if you want to, you can get a little discount
if you pay for a full year at a time, and also, keep in mind, if this is the kind of thing
where you only need this for one document and that’s it, it’s totally feasible to
just subscribe for one month and then unsubscribe,
and get your document and be done. If you ever need to come back, it’s really easy to do that. So it’s not like you have
to commit to several years, or pay for this for the rest of your life. It’s just, you just sort of
use it for what you need it, and if it’s not useful to you anymore, then you can just unsubscribe. It’s pretty simple. I do have an affiliate
relationship with RocketLawyer, just for full disclosure. I have a link beneath this
video, like I mentioned before, if you click on that and
fill out your promissory note through that link, I will
get a small commission if you decide to sign up for the RocketLawyer service. Yeah, that’s it. I hope this video was
helpful to you on some level, and I appreciate your
time in checking this out. Hopefully, I will see you again soon.

57 thoughts on “How to Create A Promissory Note

  1. What a load of crap. No body will accept these. You will be laughed at. Lol

  2. hello Seth, how you doing? listen I don't own any property and I'm middle-aged I got a very little nest-egg. I've never done this before but I'd like to get started on it. do you have any suggestions, any books I could read? classes I could take? what would you suggest? I'd like to get started making a little passive income this way. I've seen a couple of your videos and it piqued my interest a lot. just so you know I'm serious about not having any experience buying and selling real estate at all I'm a nurse by profession. I've rented most of my life but I want to get a little something to keep me comfortable when I retire. would you have any suggestions?

  3. Can I pay off my Reverse Mortgage with a promissory note . Also if taken to court what do I say to the court to support my case

  4. Seth Williams – Some of the commenters here are people who have a misunderstanding of the nature of a promissory note. There are many YouTube videos in which people are told that they can create a promissory note and use it the same as cash. They think the note itself is required by law to be accepted and they can create one and use it like money even if they have no collateral of any type, no credit record or even if they don't have any money.

    You are explaining what a promissory note actually is and since they have been told something else, they think you are wrong.

    Good luck. Just a heads up to let you know who you're dealing with – in case you haven't already figured that out.

  5. I want a Dj and system so I can be famous

  6. + Seth Williams How does one do the terms and agreements for paying the rent?

  7. Mr. Williams. I like the video. My question is and this is important, Would I have to become a "private banker" in order to issue the promissory note(s)?

  8. could I do a promisory note to those high intrest loan companies?..those 10 week loans..or payday loan companies?

  9. I'm calling you out, show us a circumstance where you have officially utilized a Promissory Note.

  10. Generally when purchasing a house through a bank, the bank would produce a promissory note for the borrower. What are the advantages of making one for yourself in this situation?

  11. What a load of bollox, it's one thing to create a Promissory Note, it is a total different ball game trying to get your creditors to accept it as payment. What you should be doing is showing us how you successfully used it.

  12. How do you make the not liquid?

  13. hey dumb ass,,,, hence the reason for filing the UCC.

  14. should i get my note noterized by a noterery ?

  15. Thank U !

  16. Promissory note is a legal document once signed by the borrower. Once the signature is created on the promissory note, that promissory note has created the monies and the signature created the money backed by the Birth certificate legal name. WE ARE THE MONEY, so it's a deception.

  17. what do you do with this?

  18. Can you write one to the IRS? lol

  19. looks pretty good, Im going to give it a try. I used your link! thx

  20. How dumb, when you come to use it, they treat you illegal, they need to get rid of promissory notes, that's illegal to treat somebody so disgusting before he could get his payments situated as seen in ex. clip from Wells Fargo promissory notes, & if you noticed the banker there didn't even know what it was and treated Carlos with no decency or respect, after helping him and I noticed before he gave him the money tender never did discuss with him the interest rate or when to start the payments , and to acknowledge, to understand if the money was to be paid back to the car dealership or to the bank, I mean it was just totally misunderstood and no communication as to the details of that P.N. that it's ridiculously stupid!!!! So how come this man tells you details but that banker couldn't tell him any details????!!!!! And how many people they killed because they didn't even discuss details to them at the bank!!!!!??? How blanking Disgusting!!!!!!and how could that banker try to gain custody of his vehicle right after buying it!!!! Isn't that illegal, and that seems so outrageously disrespectfull because he did not once in the recording, discuss with that banking customer the instructions and ins and outs and interest rates and whom is the obligations to whom in the process!!!; I mean they should in my opinion, they should get rid of promissory notes because they sound too uninformitive, misleading, bankers don't even know how it's used, what it is, or how to treat you behind one, and highly disrespectfull how you treated after you get it if you do!!!! They need to get get rid of promissory notes, they sound TOTALLY stupid and first and foremost, soooooo disrespectfull after you get one!!!!; and how dare a dang banker, after finding out he purchased the vehicle to act like that, like he committed a crime!!!! I mean it's worse than an Indian giver, which means to give something and want it back!!!! It's outright disrespectfull and totally disgusting, even more because he has no right to treat a person like that, how deadly F-O-U-L, SHAME ON YOU BANKER, AND THE NERVE BEFORE EVEN HELPING HIM, YOU DIDNT EVEN KNOW ENOUGH TO HELP HIM OUT, THEREFORE YOU SHOULDN'T OF EVEN BOTHERED TO HELP HIM BECAUSE YOU DIDN'T,!!!! GET RID OF PROMISSORY NOTES, THEIR TOO MISLEADING, RUDE AND DISRESPECTFULL, DISGUSTING TO DO THAT TO SOMEBODY, AND THE NERVE FOR WELLS FAGO TO TREAT SOMEONE LIKE THAT!!!! OUTRIGHT DISGUSTING AND DISRESPECTFULL, SHAME ON YOU WELLS FAGO!!!!! HOW GROSS TO TREAT A HUMAN BEING IN THIS MANNER!!!!!!!! DAM FKNG FAGO WELLS, THATS MORE LIKE HOW HE WAS TREATED!!!; EVERYONE AGREES O.K. FAGO WELLS!!!! HOW DISGUSTING!!!!!!!!

  21. Ok but how do you get title to property then?????

  22. Hello Seth, I bought your house today. The promissory note is in the mail. I will give you one week to vacate my house.

  23. all stocks bonds and notes MUST BE registered with the Securities Exchange Commission. ..

  24. What this comes down to is something for nothing! There is never any intention to follow they with the "promise". That makes all of this fraudulent! Who do you think will pay for what YOU promise to fulfill? The cash fairy?

  25. dmmmmm gx

  26. Can you use this for Bureau of public debt and FRB?

  27. Try to retrieve "Modern Money Mechanic" and "Two Faces Of Debt". These two Publication are from The Federal Reserve.

    Both explain the Creation of Money which the Promissory Note actually Is.

    Beware of those who tell you anything deference. In the above Video, he is telling you half truth which then become a lie.

    This Why I always say, "Always go to the source" from there you can never go wrong.

  28. we know exactly what it is its also been used to steal real property by the gov.. houses farms real ad nausea

  29. Promissory Notes are just a promise to pay. They do not create money. Section 4 – look it up

  30. hi set hi I can't get this for. help

  31. I promise to give my land lord every cent owed!
    the justice system!

  32. I just got back from Wells Fargo and they told me they don't honor Promisary notes and that I would have to go through their lending process. What should I do next?

  33. Isn't this more like.. How to create your own prison sentence…

  34. People don’t understand that the type of promissory note you are talking about is usually executed by two private people. Say you lend a friend or relative some money. Or you sell a car to a friend or relative. It becomes a contract between the two individuals of” I will lend you this money, and you will pay me back under these terms!” You can not use a promissory to pay off a debit, that already has a signed promissary note, or in case of credit cards, where a contract exists that the borrower agreed to when they applied for the credit card.

  35. Soooo our birth certificates not worth shit?

  36. What about a zero interest bearing note? You mentioned two types of loans but would a zero interest bearing loan work, if the parties agree to the final amount to be paid in the end of the contract term?

  37. This too good to be true.

  38. rocket lawyer has a lot of bad reviews lately

  39. Thanks for this helpful info this is awesome however to say that the bank can legally take your house means you don't understand how the fraud works.

  40. What do you know about the Bulsavic exchange.

  41. That's all well and good but if I don't put my name in capital letters they can't hold me or my representative to anything, admiral. Bwaahahaaa!! You will be assimilated. Resistance is futile. Tinfoil. Right to travel, etc.

  42. this is not a real promissory note that for example that banks use between each other, real promissory notes are a legal instrument that has value and can be purchased like shares on the stock exchange a bit like bonds. They are generally used for banks and government bodies only as it is like a perpetual deferment of the loan banks hide this from individuals to make money from the scam that banks work with, they are more complicated than a loan contract
    This type of document is really just a loan contract not to confused with a real promissory note or instrument.
    Seth has a vested interest in selling this type of loan contract, he admits this

  43. Thank you, Seth, for sharing this great and informative video on how to create a promissory note!

  44. A promissory note? Promise to pay? But what are you gonna pay with? More promises to pay since the fiat currency we use has no real value and is all debt anyways. The biggest scam in history.

  45. To better understand what a promissory note is and how used… (why it is accepted)

    My simple thinking is a promissory note is just that, a promise to pay a debt. Not a way to eliminate the debt. If you already have a mortgage loan, it was done via a previous promissory note you signed at the time of closing; as such why would the holder of the existing note accept trading one promissory note for another? Which basically constitutes a refinance where both parties agree upon the new payment terms outlined in the new promissory note. If you are purchasing a home (or auto, etc.) negotiate the payments of the first loan with the lender and let them write the note which is less likely to start trouble. The terms of payment is the real concern here.

    The best idea not being mentioned in this video in using your own created promissory note (document) is that you create the terms of payment within the note. An interesting actual use example..

    Now truthfully, if for a new home mortgage, the bank will use the note (regardless who created it) to turn it into a security which gets them 10x credit from the Fed (fractional reserve banking) and then sell the note to investors. So the bank is happy, makes money and is quickly paid in full+ without having any risk. They don't really care about the payment terms as long as they can trade the note and get paid in short order. This is what they are good at. Since these notes are thrown into large pools and bundled together with other bonds and investments into large complex instruments the terms of payments are easily hidden by large banks as few (even the rating agencies) do not actually go in and verify the risk/reward of each (which was the cause of the 2008 crash as the AAA rated investments actually contained hidden junk mortgages). When investors found out how pervasive this was being done caused a sell panic, no one was buying or lending and money transactions froze up (liquidity freeze). Banks wouldn't even lend money to other banks.

    Now selling the note to investors separates the note from the mortgage (deed) and the note is legally no longer collateralized (not backed by the mortgage deed). The investors not owning the deed (mortgage document) can not legally foreclose for lack of payment (still they try) but no mater as the investors in turn insure the note 30x so they do better if the loan actually defaults (after 90 days). Now you know why everyone wants you to wait 90 days before they will talk refinance. They get paid 30x and then talk you into another loan even though they were paid off. The real loser is the insurance (AIG) paying 30x the loan amount making the investors very happy. AIG can not come after the home because they insured uncollateralized loan (the promissory note with no collateral/deed). Since the deed (mortgage) and promissary note were seperated the actual loan (promissory note) is legally null and void when the bank sold the note soon after you bought the house.

    So knowing all this, instead of writing your own promissory note for a new mortgage, negotiate the terms of payment with the bank who really doesn't care as long as it's good enough to sell to investors.

    Now if you're hit with a different judgement or lean from a bank or government (a bill to pay, no existing promissory notes exist) then writing your own may be a valid option (see example link above). The idea is these institutions know how to trade these notes. Stores and friends do not.

    All in all, a promissory note is an IOU. To offer to pay anyone with an IOU is not illegal as long as there is intent to pay. They may counter with a different payment method (negotiating terms of payment). So as long as there was an intent to pay I do not see any legal issues except for lack of needed notary, stamped it was received, which is not a criminal offense. Forging someone else's name is.

  46. Some of you idiots and morons should look up the BILLS OF EXCHANGE ACT every country has one.

  47. For all those that would like a better reference as how to use these, in what circumstances you should use it and see how it has actually been used please watch this video…

  48. m

  49. Thank you so much this will help me a lot.

  50. This kind of shit is only use by people that live in trees and shit , no one would except that kind of payment now a days

  51. The "value" of a promissary note is dependent entirely on the financial standing of the issuer. In the case of someone like you it is quite literally not worth the paper it's written on.

  52. Does your boss pay your wages with a promissory note?

  53. when was the last promissory note used legaly? you got to be kidding me…..

  54. well if your buying a car these sovereign citizens believe they can get a brand car cuz it not a car its personal possession that moves like horse and buggy lol….just wow


  56. Hi, Seth. I have a question regarding promissory notes. Would I need to do one in conjunction with a "Contract for Deed (owner-financing)?" I've watched your video regarding how to do a "Contract for Deed," using Rocket Lawyer, and was wondering if I would need this along with the "Contract for Deed." Please let me know your thoughts on this. Thank you, in advance, for your response.

  57. This is concerning the us only.

    I was about to move forward when I dcided to call a Constitutional Lawyer.

    I ask him about the Promissory Note.

    His reply was: "That is a good way to get into a lot of trouble.'

    Caution do your homework first.

    william schuck security fraud with promissory note


    Jamison and William Schuck

    Nathan Wyvil Pappas, 43, Fort Walton Beach, larceny less than $5,000, uttering a false instrument, counterfeiting of bank bill or promissory note.

    Nicholas Bronson Pierce, 31, Pensacola, larceny less than $5,000.

    David Young

    Tupper Saussy, Roger Elvick, Sean and Melissa Morton, Chiropractor and sovereign citizen Donald Gibson,

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