Legal analysis: If an iou is written by fraud, it should be settled through consultation with the other party. If negotiation fails, relevant evidence can be collected to bring a lawsuit to the people's court, requesting the people's court to rule that the iou is invalid. However, there must be enough evidence to prove that the iou was signed on the basis of fraud.

Of course, if the IOU is signed on the basis of coercion, the coerced party can report the case to the public security organ, which will file a case to find out the facts. If it is found out by the public security organ that the coercing party forces others to issue IOU or IOU by violence or threat for the purpose of illegally occupying other people's property, it may constitute extortion or robbery. Then, the case should be handled by the public security organ according to the criminal case handling process and be a civil case tried by the people's court.

Legal basis: Article 274 of the Criminal Law of the People's Republic of China extorts and extorts public or private property, and whoever extorts and extorts a large amount or repeatedly, shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also, or shall only, be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 1 years and fined.