It is useful to sue for owing money, whether it is owing money or owing money, it can prove the existence of legal relationship between lending and borrowing. An IOU is a written document indicating the relationship between creditor's rights and debts, which is generally written and signed by the debtor, indicating that the debtor has owed the creditor the amount indicated in the IOU. An iou refers to a bill written to the other party when borrowing personal or public cash or goods, that is, an iou.

Common pitfalls of IOUs:

1. Write the wrong name on purpose when typing the IOUs.

Case: Wang and his son borrowed 200,000 yuan from a friend, and made a debit note, agreeing to repay the arrears and interest one year later. Unexpectedly, Wang and his son played a trick when signing the loan, and deliberately wrote it. Zhang Zongxiang didn't pay attention at that time. After the repayment period, Zhang Zongxiang found two people urging for a loan, but they refused to return the loan on the grounds that the name of the loan was not Zhang Zongxiang. In desperation, Wang and his son were brought to court. Although the court supported Zhang's claim, he also paid a huge price for his carelessness in accepting the loan.

2. Write the loan in person.

Case: Wang Xiangzhang borrowed 10000 yuan. When Zhang asked Wang to write the loan, Wang said that he went outside to find a pen and paper to write the loan, left the scene and came back soon. He gave the loan to Zhang, and Zhang saw that the amount of the loan was correct and gave it to Wang. After Zhang asked for money, Wang refused to accept it. Zhang had no choice but to sue the court, and the court entrusted the relevant departments to identify the handwriting and confirmed that the loan was not written by Wang. After verification by the court, Wang admitted that the loan was true and was written by others imitating their own handwriting.

3. Replace "borrowing" with "receiving"

Case: Li borrowed 7,000 yuan from Sun, and issued a receipt for Sun: "Receipt, I received 7,000 yuan from Sun today". After Sun sued the court, Li said in his defense that Sun's receipt owed him 7,000 yuan. Because Sun wrote him an iou, he wrote a receipt to Sun. Similarly, "receipt, I received a certain yuan today."

4. Property is indivisible

Case: Zheng gave Qian a batch of sesame oil. When issuing the receipt, Zheng wrote: "The gross weight of a sesame oil money owed today is 800 yuan." This practice of stealing "gold" for yuan has made the value worse by 10 times.

Legal basis: Article 2 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases.

When the lender brings a private lending lawsuit to the people's court, it shall provide debt vouchers such as IOUs, receipts and IOUs that can prove the existence of the legal relationship between lending and borrowing.

If the creditor's rights certificate such as IOUs, receipts and IOUs held by the parties does not specify the creditor, and the party holding the creditor's rights certificate brings a private lending lawsuit, the people's court shall accept it. The defendant raised a factual defense against the plaintiff's creditor qualification, and the people's court ruled that the plaintiff did not have the creditor qualification after examination and dismissed the prosecution.