Legal analysis: Not available. The content of the IOU is not written on the white paper with signature and handprint, and there is no real debt relationship between the two parties, so the IOU has no legal effect. As a creditor, you need to submit evidence to prove the fact of arrears.

Legal basis: Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases Article 20 If someone else signs or seals the creditor's rights certificate or loan contract such as IOUs, receipts and IOUs, but fails to show that he is the guarantor or assumes the guarantee responsibility, or cannot be presumed as the guarantor through other facts, and requests him to assume the guarantee responsibility, the people's court will not support it.