Legal analysis: You can bring a civil lawsuit to the people's court if you are cheated to write an IOU, and the people's court will confirm that the IOU is invalid. Once there is coercion when signing the loan, you can also call the police and turn it into a criminal case.

Legal basis: Article 144 of the General Principles of the Civil Law of People's Republic of China (PRC) is invalid under any of the following circumstances: (1) one party concludes a contract by fraud or coercion, which harms the interests of the state; (2) Malicious collusion that harms the interests of the state, the collective or a third party; (3) Covering up illegal purposes in a legal form; (4) Damaging the public interest; (5) Violating the mandatory provisions of laws and administrative regulations.