Legal analysis: If there is no creditor's information on the IOU, it is generally believed that the holder of the IOU is the creditor. If there are IOUs, IOUs or contracts, both parties can negotiate at this time. If negotiation fails, the holder may bring a lawsuit to the court and demand the other party to pay. If there are no IOUs, IOUs and contracts, it is recommended to collect evidence to prove the fact of arrears, such as witness testimony, remittance vouchers, recording and other evidence.

Legal basis: Article 490 of the Civil Code of People's Republic of China (PRC). If the parties enter into a contract in the form of a contract, the contract shall be established when the parties sign, seal or press their fingerprints. Before signing, sealing or fingerprinting, one party has fulfilled its main obligations, and the contract is established when the other party accepts it.

A contract shall be concluded in written form as stipulated by laws, administrative regulations or agreed by the parties. If the parties do not do this in writing, but one party has fulfilled its main obligations and the other party accepts it, the contract is established.