The IOU is still valid if it is blurred, and the IOU is illegible. Both parties can negotiate to re-sign or modify it. As long as the IOU is signed by a person with corresponding capacity for civil conduct, the signed behavior is a true expression of its meaning, and it is legal and effective without violating the law or public order and good customs.

If the IOU is true, it has legal effect. IOU is an important creditor's right certificate, which belongs to documentary evidence in terms of types of evidence. Unclear IOUs will affect lawyers and judges' analysis and interpretation according to the contents of IOUs, which will make the relationship between rights and obligations in an unclear state. However, if the IOUs are true, besides IOUs, they can also be supported by evidence such as statements of the parties, short messages, general memories, witness testimony and bank transfer records.

The possibility of handwriting leaving no trace is very small, and handwriting will disappear, but writing requires hard work, which will leave traces on paper more or less and destroy the fibers of paper. The remaining writing marks can be recovered by lighting at a specific angle or using special instruments.

IOUs, also known as "IOUs", are an application for evidence written by individuals or units to the relevant units or individuals when they owe money or things, and are also a common form of evidence application in daily life to prove that one party owes money to the other.

IOUs generally consist of three parts: title, text and signature.

(1) title. The title of IOU is generally composed of language names, that is, the word "IOU" is written in large font at the top and middle of the text. Some people write the words "temporarily owed" or "now owed" in this position as the title, but the text of this title is written in the top box of the next line.

(2) the text. The subject of the IOU should write down what the person or unit owes, what it owes and how much it owes, and indicate the repayment date.

(3) signature. Signature should be accompanied by the name of the owed unit and the personal signature of the handler, and the personal name of the owed party should be attached to the debit note issued by the individual. Meanwhile, the date of signing the debt. Units should build official seals and individuals should build private seals.

legal ground

People's Republic of China (PRC) Civil Code

Article 143 A civil juristic act that meets the following conditions is valid:

(1) The actor has corresponding capacity for civil conduct;

(2) the meaning is true;

(three) does not violate the mandatory provisions of laws and administrative regulations, and does not violate public order and good customs.

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons.

The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.