Generally speaking, if the signature on the IOU is true, then it is presumed that the content on the IOU is true. If you want to overturn the probative effect of IOUs, according to the rules of evidence, you must provide the opposite evidence to overturn them, 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:

First, of course, don't sign on white paper, even if the other party asks. Second, when signing, you must write down the content on paper, that is, you must write down the purpose of signing. Third, you must not leave blank when writing content, especially there should not be too much blank between content and signature. The loan amount must be capitalized, and lowercase can be indicated in brackets after capitalization. Fourth, it's best to make a copy of the IOU and ask the other party to sign the copy.