An iou that is not stamped but signed and fingerprinted is usually valid. As long as the reasons and the amount owed are clearly written, and the debtor signs, seals and fingerprints according to law, the debt has legal effect. IOU is a kind of documentary application document written to the relevant unit or individual when an individual or unit owes money or things.

legal ground

Article 153 of the Civil Code

A civil juristic act that violates the mandatory provisions of laws and administrative regulations is invalid. However, unless mandatory provisions do not invalidate civil legal acts.

A civil legal act that violates public order and good customs is invalid.

Article 154

A civil legal act in which the actor and the counterpart collude maliciously and harm the legitimate rights and interests of others is invalid.