If you want to overturn the probative effect of IOUs, you must provide the opposite evidence to overturn them according to the Supreme People's Court's regulations on evidence in civil proceedings, otherwise the court will determine the validity of IOUs.

Therefore, when the creditors hold our signed IOUs to urge for loans, and we have no loans, we must actively collect evidence to the contrary, instead of blindly confronting the creditors on the grounds of ignorance.

Of course, according to judicial practice, if the IOU is a large loan, the creditor will also provide evidence on the payment voucher of the loan, otherwise the court will find that the evidence of the loan is insufficient.

In order to avoid disputes, we can do this:

1 Of course, we don't sign on blank paper, even if the other party requests it.

2. When signing, be sure to write down the contents on paper, that is, be sure to write down the purpose of signing.

Don't leave blank when writing content, especially don't leave too much blank between content and signature. The loan amount must be capitalized, and lowercase can be indicated in brackets after capitalization.

It's best to make a copy of the IOU and ask the other party to sign the copy.

Extended data:

Best evidence principle

Provisions of the Supreme People's Court on Evidence in Civil Procedure

Article 77 The people's court may determine the probative force of multiple evidences of the same fact according to the following principles:

(a) the probative force of official documents and documentary evidence produced by state organs and social organizations according to their functions and powers is generally greater than other documentary evidence;

(2) Physical evidence, archives, expert conclusions, transcripts of inspection or notarized and registered documentary evidence are generally more probative than other documentary evidence, audio-visual materials and witness testimony;

(3) The probative force of the original evidence is generally greater than that of the obtained evidence;

(4) The probative power of direct evidence is generally greater than that of indirect evidence;

(five) the testimony provided by a witness is beneficial to the parties who have relatives or other close relations with him, and its probative force is generally less than that of other witnesses.

References:

Some Provisions of the Supreme People's Court on Evidence in Civil Litigation