If it is really an iou, it may not be a big problem, and a little trouble can be solved. Because the debt owed by the IOU requires evidence of the cause of the debt, for example, if you write that you owe money to others, they didn't make the goods well, and you didn't make such goods well. If you write such an iou to others, it is difficult for them to win the lawsuit. Although the IOU is signed to the other party and has legal effect, it is still difficult to win the case without evidence of the reason for the IOU. If you borrow money, the problem will be big, because you don't need other evidence to borrow money, and the debit note is the only evidence. As long as you sign the IOU and give it to the other party, it will have legal effect. If you write an iou and sign it, you must pay back the money. If you don't do this, people will win the lawsuit and you must pay back the money. You can't just write IOUs. It's legally binding. You have to pay back the money.