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Is there a handprint on the printed IOU legally effective?
Both hand model and signature have legal benefits.

If the other party says that they don't know or cheat, it depends on who issued the IOUs (that is, who wrote the IOUs except the signature. In short, as long as he wrote the IOUs, there would be no fraud and ignorance).

If you are forced to investigate the incident, it is mainly to know people around you or people who know the incident.