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An I O U may bring to you thoughts of running a debt to your friend on a napkin in school, but an official i o U form is a powerful binding agreement in regards to structuring a repayment of a debt instead of having to generate and sign miles of complicated paperwork. An i u form offers a simple solution for two parties who wanna record a transaction in writing. Typically, these forms are drafted between business partners, friends or family members, and they help to add security and peace of mind to any funds being borrow. Structuring the form with anything that involves a repayment of money borrowed I o U form should be detailed and specially constructed. These documents should comprehensively define the following, the debtor, the creditor, and the amount information pertaining to how the loan will be repaid. Signatures of the debtor and the creditor, and the signature of a notary public, if required by your respective state.