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You are best to start with small parking fines and getting rid of those before trying to tackle a Promissory Note or Bill of Exchange. Heres some info about how to deal with a fine next time. To learn more watch this webinar; http://solutionsempowerment.org/webinar-how-to-address-police-when-affronted-by-an-officer/ There are many more useful webinars but this is a great place to start.