Forged IOUs do not have the authenticity and legitimacy of evidence, and of course they have no legal effect. If we have evidence to prove that the IOU is forged, it means that there is no real loan relationship, and of course there is no need to repay. But the crux of the matter is that there must be evidence to prove that the IOUs are forged.

If the IOUs are forged, our first task must be to actively collect evidence to the contrary, and we can't treat them as nonexistent on the grounds that we don't admit or repay. Otherwise, when the other party goes through legal channels and the court decides that we should repay the loan, the court can enforce it. If the other party threatens us to repay by violence, according to the provisions of the contract law, we can request the court to cancel the repayment within one year and order the other party to repay. But the other party still has the right to ask us for repayment through legal channels.

Signing on blank paper triggered a series of economic disputes. How to avoid these disputes?

1. Of course, we shouldn't sign on white paper, even if the other party asks.

2. When signing, you must write down the contents on paper, that is, you must write the purpose of signing.

When writing the content, don't leave any blank, especially between the content and the signature. The loan amount must be capitalized, and lowercase can be indicated in brackets after capitalization.

Why don't you make a copy of the loan and ask the other party to sign the copy?