Question

Forgiving 4 debts of $3 each; multiplication sentence and product

Answer 1

Multiply 4 by 3
4 times 3 is 12
the product is 12

Answer 2

-3x4=-12
If there are 4 debts, which are negative and they're $-3 each, then your product should be a negative $12 in debts/money that you owe.