That depends on how much money you paid back on your IOU at that time. If it is agreed, you will only pay back the money you admit to paying back. If you don't write down the repayment amount, then you will be jointly and severally liable, that is, you will be responsible for paying back the 40 thousand yuan. Of course, I also know that you are not convinced at this point. Don't worry, if you find a guy who borrowed money with you, you can ask him to pay you back 20 thousand yuan, but only if.

In addition, if you really pay back the money every year, then as long as you explain the situation to the court, for example, you are really in financial difficulties, but you will never default, and you will repay the money in installments, then the court should not embarrass you.