If it is not retrieved in time, there is a risk of being forged.

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.