What kind of IOUs are protected by law

Lawful and valid IOUs are protected by law.

An IOU is a voucher written by an individual or unit to a relevant unit or individual when it owes money or goods. IOUs are also known today as "white slips". IOUs are also common in daily life to prove that one party owes the other party property, a kind of voucher application style.

The IOU is generally composed of three parts: title, text, and payment, and the specific content is:

a) Title. The title of the IOU is generally composed of the name of the text, that is, the word "IOU" is written in a large font in the upper middle of the text. There are also the words "Temporarily Owed" or "Owed" written in this position as the title, but the body of the title is written in the top box of the next line.

b) Text. The body of the IOU should clearly state who or what unit is owed, what quantity, and indicate the date of repayment.

3) Payment. The name of the debtor's unit and the signature of the person handling the payment must be signed, and the name of the debtor must be signed on the IOU issued by an individual. and the date of the IOU. The official seal should be affixed to the unit, and the private seal should be affixed to the individual.

Khan, there are no wonders in the world!

It's an IOU with the wrong name, and I've come across several of them this year, generally because the debtor's name is wrong, and the creditor's name is incorrect, and even if it's wrong, it's the same sound but the word is different. You're making a big difference.

Specifically, you can sue in your sister's name, notify relevant witnesses to testify in court during the lawsuit, and you can also add your girlfriend as a third person.

Witness. Then ask the person who owes the money to write an IOU.

Be handy. The amount is large.

To get the borrower to take a picture of those IOUs and ID cards.

Let's talk about the court seal.

You can use your girlfriend to sue the court for the plaintiff, and then your girlfriend and your sister don't even appear in court, entrust you to go to **, you don't have to say anything else in court, you just say, there is his signature in black and white, and the fact that he owes money is indeed correct, you can. As long as the other party admits that the IOU was issued by him, the lawsuit is won.

It's not your sister's real name, but if someone can prove it, it's okay.

If it wasn't written with his name, it would be difficult to ——— because he could say that he wrote it in a joke, and if your friend went to sue him for not paying back the money, your sister testified, so it's okay

Legal analysis: The legal private lending relationship is protected by law, and the borrower, the term of the loan, the term of repayment, and whether there is interest should be clearly stated in the case of the IOU.

Legal basis: Civil Code of the People's Republic of China

Article 667 A loan contract is a combination of a borrower borrowing money from a lender and returning the loan at maturity and paying interest.

Article 668: The loan contract shall be in written form, unless otherwise agreed upon between natural persons. The content of the loan contract generally includes the type of loan, currency, purpose, amount, interest rate, term and repayment method.

Article 669 When entering into a loan contract, the borrower shall, as required by the lender, provide the true information about the business activities and financial status related to the loan.

Any kind of IOU is protected by law, as long as it is not against the law.

The important point is that the IOU should be clearly written in the lead number, so that if there is a real dispute over Huai, it will be easier to identify.

IOUs that meet the requirements set forth in the law are protected by law. That is, the content that can prove the fact of the debt, is an expression of true intentions, is obtained through legal channels or means, does not violate the mandatory provisions of laws and administrative regulations, and does not violate public order and good customs, and has legal effect. If the debtor is not stupid to perform the debt in accordance with the IOU, the creditor can file a civil lawsuit with the people's court.

Difference Between IOU and IOU:

1.The reasons for the formation are different.

The reason for the formation of an IOU is a 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 facts such as sales, labor services, and enterprise contracting. The legal consequences are different.

2.The statute of limitations is different.

The statute of limitations for IOUs and IOUs with an agreed repayment period is the same, but there is a difference between the statute of limitations for IOUs and IOUs without an agreed repayment period. For IOUs without an agreed repayment period, the lender may request repayment from the borrower at any time, and the statute of limitations shall be calculated from the time when the right holder asserts its rights, and the validity of the IOU shall be up to 20 years; If the IOU does not stipulate the performance period, it is a settlement of the past economic exchanges between the two parties, and the statute of limitations shall be calculated from the date of issuance of the IOU, and the right holder shall claim its rights with the people's court within three years from the date of issuance of the IOU.

3.The burden of proof is different.

Generally, the holder of the IOU only needs to briefly state the facts of the loan to the judge; The holder of the IOU must state to the judge the fact that the IOU was formed, and if the other party denies it, the holder of the IOU must provide further evidence to prove the fact that the IOU was formed.

Legal basis]: Article 119 of the Civil Procedure Law.

The following conditions must be met for a prosecution:

1) The plaintiff is a citizen, legal person, or other organization that has a direct interest in the case;

2) There is a clear defendant;

3) There are specific litigation claims, facts, and reasons;

4) It is within the scope of civil litigation accepted by the people's court and the jurisdiction of the people's court receiving the lawsuit.

Article 58.

The parties and legally-designated persons may entrust one or two persons as litigants. The following persons may be appointed as the person who brings back the lawsuit:

IOUs that meet the statutory requirements are protected by law. That is, an IOU that can prove the fact of debt, is an expression of the true intention of the parties, is obtained through legal channels or means, does not violate the mandatory provisions of laws and administrative regulations, and does not violate public order and good customs, has legal effect. If the debtor fails to perform its debts in accordance with the IOU, the creditor may file a civil lawsuit with the people's court.

Legal basisArticle 143 of the Civil Code.

Civil juristic acts that meet the following conditions are valid:

1) The perpetrator has the corresponding capacity for civil conduct;

2) The meaning is genuine;

3) Do not violate the mandatory provisions of laws and administrative regulations, and do not violate public order and good customs.