An IOU without a signature has no legal effect. The legal effect of the IOU is based on the agreement and signature of both parties. If it is not signed, it does not indicate the opinions of both parties on the IOU, so it cannot be used as a The specific circumstances shall be determined based on the actual situation.

1. Does an IOU without a signature have legal effect? ??An IOU without a signature has no legal effect. The IOU is a written certificate indicating the relationship between creditor and debt. It is generally written and signed by the debtor, indicating that the debtor has owed the creditor. Notes on the IOU Specify the amount of debt. An IOU refers to a note written to the other party when borrowing cash or items from an individual or a public person. It is an IOU. After the money and property are returned, the person who made the note will take the note back and invalidate it or tear it up. It is a certifying document. Usually used in daily life and business management. From a legal perspective, an IOU is a written document indicating the relationship between a creditor and a debtor. It is usually written and signed by the debtor, indicating that the debtor has owed the creditor the amount specified in the IOU.

2. The difference between IOU and IOU 1. Legal definition of the two: IOU proves the loan relationship, and IOU proves the debt relationship. A loan is definitely a debt, but a debt is not necessarily a loan. The reason for the formation of an IOU is the specific fact of borrowing. There are many reasons for the formation of IOUs, which can be based on a variety of facts, such as arrears arising from sales, arrears arising from labor services, arrears arising from enterprise contracting, arrears arising from damage compensation, etc. 2. The burden of proof between the two is different: when the holder of the IOU files a lawsuit in court for claiming the debt and presents evidence of the IOU, it will be easier for the judge to identify and determine the facts of the loan between the parties, and the lender only needs to submit evidence to the court. The judge can simply state the facts of the loan, and it is generally difficult for the other party to defend or deny the loan. When a person holding an IOU files a lawsuit in court based on the IOU, the burden of proof that the IOU holder has to bear is much more complicated. Not only does it need to state the facts that created the IOU, but also if the other party denies or defends against this fact, the IOU holder must further Evidence must be provided to prove the existence of the fact that the IOU is formed, that is, it is necessary to prove the reason why the amount is owed. 3. The difference between the two statutes of limitations: If both contents indicate the repayment period, then in accordance with the provisions of Article 137 of the General Principles of the Civil Law, the statute of limitations shall be from the stated repayment period. It is calculated as two years from the date. The issuance of an IOU needs to be based on the actual loan matter, in which the time, content, return time, etc. of the loan should be legally determined. The handling of relevant matters should be determined strictly in accordance with the procedures prescribed by law. If the If the handling of relevant situations is unclear, you can hire a lawyer to define it.