Who can do worry free IOUs? Rush 50

Worry-free IOU is a mobile app. [1] The software protects the property interests of the majority of users by providing users with electronic IOUs for CA authentication, third-party digital authentication, multi-party authentication[1], and arrears collection services. [1]

The name of the software. Hassle-free IOUs. Software Version.

Software size. Type. Mobile app software.

Application Brief. Worry-free IOU is a mobile app. [1] The app provides users with electronic IOUs for money transactions between friends, such as borrowing and repaying money, and is a security platform for funds between users' friends.

Its main friend borrowing function is the country's first intelligent electronic IOU tool, which can not only automatically generate a legally effective electronic IOU for both borrowers and borrowers, but also have a friendly reminder function for due repayment and a professional overdue reminder service, which can easily solve the problem of lending between friends. [2]

Background. In recent years, in the context of the continuous development of emerging technologies such as mobile Internet, big data, and cloud computing, the Internet finance industry has shown strong vitality. Internet finance is deriving a lot of "nuggets" branches, such as third-party payment, Internet financial management, online lending, crowdfunding, etc.

2] Main features. The IOU can be done in 2 steps, and it is more convenient for friends to borrow; [1] Turn on your mobile phone, and the collection and loan services can be obtained with one click, making your operation more convenient; [1] Daily bonuses, grab as you go, and you can put the bonus in your wallet! [1]

I also want to borrow, don't believe the money you ask for before the next payment!!

The IOU should meet the following requirements:

a) Subject. It is necessary to clearly express the subject of the creditor's rights and debts.

When a natural person is the subject, the name on the ID card should be checked, and if conditions permit, the resident ID number should be copied on the IOU, and the signature should be signed, preferably by fingerprints; When the legal entity is the main body, it shall be stamped with the official seal of the unit.

ii) Subject matter. The unit of the amount should be clear, the amount should be marked with Arabic numerals and then written in traditional Chinese, and the ratio should be clear percentage, thousandth, and 10,000th.

c) Content. Be clear and take care to avoid ambiguity.

The return date should be clear, and if there is an interest agreement, it should be stated, otherwise it will be regarded as no interest according to law, and if there is a liquidated damages agreement, it should be stated. If there is a guarantor, the guarantor should be indicated, and the guarantor should be indicated, and the guarantor should sign and press the fingerprint.

iv) in duplicate. It is advisable to have two copies of the documents, one for each party.

1. What are the precautions for issuing an IOU?

The following should be noted when issuing an IOU:

1. The subject should clearly express the subject of the creditor's rights and debts, that is, who is the creditor and who is the debtor; If a natural person is the main body, the name on the ID card should be checked. If possible, the national ID number should be copied and signed on the IOU. It is better to press the fingerprint.

Where a legal person unit is the main body, the official seal of the unit shall be affixed;

2. The quantity unit of the object should be clear, the quantity should be marked with Arabic numerals, and then the ratio of the score should be written in traditional Chinese characters to clarify the percentage, thousandth, and 10,000th. The content is clearly expressed, and attention is paid to avoid ambiguity. If the return date is clear and there is an interest agreement, it shall be explained, otherwise it shall be deemed to be no interest in accordance with the law, and if there is a liquidated damages agreement, it shall be explained.

Second, please pay attention to how to fight for Kujo is legal.

Writing an IOU requires attention to the subject, object, content, and duplicate.

1. The main body. The subject of the creditor's right and debt relationship should be clearly expressed, that is, who is the creditor and who is the debtor (pay attention to the ambiguity of the loan);

When a natural person is the subject, the name on the ID card should be checked, and the resident ID number should be copied on the IOU when conditions permit; When the legal entity is the main body, it shall be stamped with the official seal of the unit.

2. Object. The unit of the amount should be clear, the amount should be written in traditional Chinese, and the ratio should be clear percentage, 10000 percent, and 10,000 percent.

3. Content. Be clear and take care to avoid ambiguity. The return date should be clear, and if there is an interest agreement, it should be stated, otherwise it will be regarded as no interest according to law, and if there is a liquidated damages agreement, it should be stated. If there is a guarantor, the method of guarantee should be indicated and the guarantor should be indicated.

4. In duplicate. It is best to have two IOUs, one for each party. As a quick and convenient way to confirm, in general, IOUs are handwritten, and the issuer is specific, that is, written and stamped by the debtor, borrower, and recipient.

Article 668 of the Civil Code stipulates that the loan contract shall be in written form, unless otherwise agreed upon by natural persons.

Article 668 of the Civil Code stipulates that the loan contract shall be in written form, unless otherwise agreed upon by natural persons.

The content of the loan contract generally includes the type of loan, currency, purpose, amount, interest rate, term and repayment method.

If you don't pay off the debt, you are not suspected of committing a crime, you can't call the police, and the public security won't accept it. Failure to repay debts and IOUs is an economic dispute that can be resolved by filing a lawsuit with the people's court. It is recommended to file a lawsuit with the people's court where the debtor's household registration is located.

In order to ensure that the creditor's rights can be recovered in a timely manner after the judgment is won, property preservation may be applied for at the same time. If the debtor still refuses to perform the statutory repayment obligation after winning the lawsuit, he shall immediately apply to the people's court for compulsory enforcement, with a view to recovering the arrears as soon as possible.

1. How to sue after a debt dispute.

After a debt dispute occurs, the method of litigation: first, the creditor can apply to the people's court for pre-litigation property preservation to ensure that it can be compensated according to law after winning the lawsuit; Second, after applying for property preservation, the creditor shall promptly file a lawsuit with the people's court; Finally, if the creditor wins the lawsuit and the debtor still fails to perform its obligations after the judgment takes effect, the creditor may also apply to the court for enforcement. Article 119 of the Civil Procedure Law stipulates that the following conditions must be met for a lawsuit:

(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 of the people's court and the jurisdiction of the people's court receiving the lawsuit.

Second, whether it is illegal to owe money and not let it go.

It is illegal for the other party to owe money and not give it, and to stop and not let it go. If the debtor owes money, the creditor can directly ask the other party to repay, and if the other party refuses, the creditor can go to the court to sue, and the court will order the other party to return the arrears. If the money is not repaid, the two parties have a civil legal relationship, and the dispute between the two parties is a civil dispute, and the way to resolve the civil dispute is to negotiate between the two parties, mediate by a third party, or file a lawsuit in the people's court.

If the debtor does not repay the money, he can sue the court to demand repayment, and the court will make a judgment in accordance with the law, and do not use private means to solve the problem; After winning the lawsuit, if the other party refuses to perform, the winning party may apply to the people's court for enforcement, or the adjudicator may transfer it to the executor for enforcement; After accepting the compulsory enforcement, the court will inquire about the real estate, vehicles, ** and deposits in the name of the debtor in accordance with the law; Where the person subject to enforcement does not perform the obligations set forth in the legal documents, the people's courts may take or notify relevant units to assist in employing restrictions on leaving the country, recording and publishing information on non-performance of obligations in the credit reporting system, and other measures provided for by law; In cases where there is capacity but refusal to enforce the judgment, it is suspected of the crime of refusing to enforce the judgment or ruling. It doesn't play a big role in posting moments. It is recommended to negotiate the process.

If the negotiation fails, a lawsuit shall be filed with the people's court with relevant evidence and materials, demanding that the other party repay the loan, and at the same time may demand the payment of interest or liquidated damages.

Article 236 of the Civil Procedure Law of the People's Republic of China provides that the parties must perform on legally effective civil judgments and rulings. If one party refuses to perform, the other party may apply to the people's court for enforcement, or the adjudicator may transfer it to the enforcer for enforcement. The parties must perform the mediation document and other legal documents that shall be enforced by the people's courts.

If one party refuses to perform, the other party may apply to the people's court for enforcement.

Legal analysis: If you do not receive the money after the IOU, you can urge the other party to lend, if the other party agrees to lend after urging, but there is no actual action, then the debt relationship is not established. This is due to the fact that, according to the relevant provisions, the debtor's receipt of the loan from the lender is a necessary condition for the IOU to be valid.

Legal basis: Article 9 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases A loan contract between natural persons may be deemed to have been formed under any of the following circumstances: (1) If the payment is made in cash, from the time the borrower receives the loan; (2) Where payment is made in the form of bank transfer, online electronic remittance, etc., when the funds arrive in the borrower's account; (3) If the instrument is delivered, it shall be from the time when the borrower obtains the right to the instrument in accordance with law; (4) Where the lender authorizes the borrower to have the right to control a specific fund account, the borrower shall have the actual right to control the account from the time the borrower obtains the actual right to control the account; (5) When the lender provides the loan in other ways agreed with the borrower and the actual performance is completed.