Oh, dude, you write 115,000 in English as "one hundred fifteen thousand." It's like saying, "Hey, that's a big number, but I got this, no big deal." So yeah, just break it down into chunks and spell it out like you're telling a buddy how much money you owe them.
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Twenty-three million
20,148,123
100,000 = one hundred thousand.
158,000 = one hundred fifty-eight thousand.
1750