Legal analysis: Generally speaking, if the signature on the IOU is true, then it is presumed that the content on the IOU is true. If you want to overturn the probative effect of IOUs, according to the rules of evidence, you must provide the opposite evidence to overturn them, otherwise the court will determine the validity of IOUs. Therefore, when the creditors hold our signed IOUs to urge for loans, and we have no loans, we must actively collect evidence to the contrary, instead of blindly confronting the creditors on the grounds of ignorance. Of course, according to judicial practice, if the IOU is a large loan, the creditor will also provide evidence on the payment voucher of the loan, otherwise the court will find that the evidence of the loan is insufficient.

In order to avoid disputes, we can do this:

First, of course, don't sign on white paper, even if the other party asks. Second, when signing, you must write down the content on paper, that is, you must write down the purpose of signing. Third, you must not leave blank when writing content, especially there should not be too much blank between content and signature. The loan amount must be capitalized, and lowercase can be indicated in brackets after capitalization. Fourth, it's best to make a copy of the IOU and ask the other party to sign the copy.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 144 A civil juristic act performed by a person without capacity for civil conduct is invalid.

Article 146 A civil juristic act by the actor and the counterpart with false intention is invalid. The validity of a concealed civil juristic act with false intention shall be handled in accordance with relevant laws and regulations.

Article 153 A civil juristic act that violates the mandatory provisions of laws and administrative regulations is invalid. However, unless mandatory provisions do not invalidate civil legal acts. A civil legal act that violates public order and good customs is invalid.

Article 154 A civil legal act in which the actor colludes with the counterpart in bad faith and damages the legitimate rights and interests of others is invalid.

Article 155 A civil juristic act that is invalid or revoked is not legally binding from the beginning.

Article 147 The actor has the right to request a people's court or an arbitration institution to cancel a civil juristic act committed due to a major misunderstanding.

Article 148 If a party causes the other party to commit a civil juristic act against its true meaning by fraudulent means, the aggrieved party has the right to request the people's court or an arbitration institution to cancel it.

Article 149 If a third party commits a civil juristic act against its true meaning due to fraud, and the other party knows or should know about the fraud, the defrauded party has the right to request the people's court or an arbitration institution to cancel it.

Article 150 If one party or a third party coerces the other party to carry out a civil legal act against its true meaning, the coerced party has the right to request the people's court or an arbitration institution to cancel it.

Article 151 If a party takes advantage of a person's danger and lacks judgment, resulting in obviously unfair when a civil juristic act is established, the injured party has the right to request the people's court or an arbitration institution to cancel it.