Legal analysis: (1) It is best to write the debt by the debtor, and pay attention to the writing norms. The debtor's information must be clearly written with the ID number, and the debtor should be required to provide the original for verification when writing the IOUs.

(2) the date of arrears-be sure to write it clearly, preferably accurate to the day, and the repayment date can be agreed in the IOU. If the repayment date is not agreed, the creditor may claim to return it at any time. If the repayment date is agreed, it can only be required when the repayment date expires.

(3) The amount owed should be capitalized in Arabic numerals and Chinese at the same time, and the currency should be clearly written.

(4) If the debtor is married, it is better to obtain the signature of the spouse, which is more secure for creditors, and prevents one party from refusing to undertake the repayment obligation on the grounds of ignorance or court enforcement, and one party transfers the property to the spouse, resulting in inability to perform.

(5) At the same time, receive a copy of the borrower's autographed ID card and a copy of the marriage certificate.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons.

The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan.