The whole idea behind the debt forgiveness is that the debt exists. Actually, the debt was paid by the promissory note before the loan was granted. That's the way the Federal Reserve Bank system works. The debt exists solely because the 'borrower' has accepted and expressed that a debt exists. The 'borrower' does this automatically because he doesn't know that he prepaid the loan through his promissory note. Search on 'Tom Schauf, bank freedom'.