1. The money and things borrowed from others or units have not been paid by then, or not paid in full, and some are still in arrears. Then you need to write an IOU.
2. When buying goods or products, because you can't afford or can't afford all the money of others, you should write an IOU.
3. Borrowing personal or public money and things, and the certificate after completion can also be called IOUs.
(2) IOUs generally consist of three parts: title, text and signature. In order to make the IOUs issued legally effective, the following principles should be followed when writing IOUs:
1, title. The title of IOU is generally composed of language names, that is, the word "IOU" is written in large font at the top and middle of the text. Some people write the words "temporarily owed" or "now owed" in this position as the title, but the text of this title is written in the top box of the next line.
2, the text. The subject of the IOU should write down what the person or unit owes, what it owes and how much it owes, and indicate the repayment date.
3. signature. Signature should be accompanied by the name of the owed unit and the personal signature of the handler, and the personal name of the owed party should be attached to the debit note issued by the individual. Meanwhile, the date of signing the debt. Units should build official seals and individuals should build private seals.
4. Indicate both parties and the date of establishment.
In short, the debtor's signature has legal effect as long as the reason and amount of the arrears are clearly written.
IOU model
As a part of _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
It is expected to be returned as scheduled before _ _ _ _ _ _.
During the period, the monthly interest is RMB Yuan only, which should be paid at the beginning of each month without any mistakes.
I'm afraid the above words are groundless, and I hereby give you an iou as proof.
Voucher lender: _ _ _ _ _ _ ID number: _ _ _ _ _ _ Contact address: _ _ _ _ _ _ _ Tel: _ _ _ _ _ _ _ _ _ _
Payee debtor: _ _ _ _ _ _ ID number: _ _ _ _ _ _ Contact address: _ _ _ _ _ _ Tel: _ _ _ _ _ _ _
Witness: _ _ _ _ _ _ ID number: _ _ _ _ _ Address: _ _ _ _ _ _ Tel: _ _ _ _ _ _ _
Guarantor: _ _ _ _ _ _ ID number: _ _ _ _ _ Address: _ _ _ _ _ _ Tel: _ _ _ _ _ _ _
Xx，xx，XX，XX
How to sue if the debtor fails to repay the debt?
If you want to go to court to sue, the first thing to prepare is the litigation materials, and the evidence plays a decisive role in the litigation. In order to realize the creditor's rights, it is best to collect the following evidence:
(a) IOUs, generally speaking, the most powerful evidence of debt collection is IOUs, which are written by the borrower and signed by the other party, and are extremely effective as documentary evidence.
(2) witness. In the trial of a case, the other party may cross-examine his own evidence. In order to ensure the sufficiency and reliability of evidence, it is essential to find a witness. If there are other witnesses when borrowing money, you can find these people to prove your creditor's rights.
(3) evidence of the other party's property. The ultimate goal of litigation is to get the lent money, but many people will transfer their property elsewhere in order to avoid debt. According to Article 74 of the Contract Law (1), the debtor's behavior that the creditor can revoke is the behavior of giving up the due creditor's rights; The second is the act of transferring property without compensation; The third is the act of transferring property at an obviously unreasonable low price. In order to avoid not getting back the property, it is necessary to collect the evidence of the other party's transfer of property before exercising the right of revocation.