Signing an IOU without reading the contents clearly does not necessarily mean that you need to bear the repayment obligation. If the signatory doesn't want to undertake the repayment obligation, you need to produce relevant evidence to prove that the debt relationship does not exist. If you can't provide corresponding evidence, you may not refuse to repay the loan on the grounds that you have written an iou under unclear circumstances.

1. Do I have to bear the repayment responsibility if I sign it and turn it into an IOU without reading the contents clearly?

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2. If the other party takes such "IOUs" as evidence and asks for repayment in court, the defendant will cite evidence that the loan did not happen in court, or can ask the other party to cite specific evidence, such as witnesses at the time of borrowing, bank transfer receipts, withdrawal vouchers, payment vouchers of WeChat or Alipay and other real evidence, which makes the other party speechless. After the court found out, it supported the defendant's claim and ruled that the plaintiff lost the case.

Second, what does the IOU generally include?

From a legal point of view, an IOU is a written document showing the relationship between creditor's rights and debts, which is generally written and signed by the debtor, indicating that the debtor has owed the creditor the amount indicated on the IOU.

According to general experience, an IOU is legal and valid as long as it includes the lender, borrower, loan amount, loan time and other main contents. Standard IOUs shall include the following contents:

(1) The legal full names of the borrower and the lender shall be clearly written;

(2) the loan amount should be clearly written, including the amount expressed in words and figures;

(3) the loan term should be clearly written, including the start and end date of the loan and a clear loan term;

(4) The specific repayment date shall be clearly written;

(5) The loan interest should be clearly written, and there should be a clear annual interest rate or monthly interest rate, and the final total loan interest to be paid (including the amount expressed in words and figures) and other agreements;

(6) The date, month, date, time and payment method of repayment of loan principal and interest shall be specified;

(seven) should have the borrower's personal signature, handprint or autograph;

(eight) when necessary, it shall be signed by the guarantor to clarify the guarantee period and responsibility.

Citizens may turn ordinary signatures into signatures on IOUs due to negligence and other reasons, which may lead to debt disputes, so it is necessary for citizens to be cautious in their daily lives. If you accidentally get into a dispute, if the signatory doesn't want to undertake the repayment obligation, you need to collect evidence to prove that the debt relationship doesn't exist, such as the money he didn't receive from the other party.