How can I ask the other party for money if I lose my IOU?

If you owe someone money and lose the IOU, you can ask them for it according to the following steps:

1. Contact the other party: First of all, you need to contact the other party by phone, SMS, email or face to face to express your wishes and explain that you have lost your IOU. Tell the other party that you need to repay, and ask the other party to provide relevant information, such as loan date, loan amount, repayment date, etc.

2. Provide evidence: If you have other evidence to prove that you borrowed money from the other party, such as bank transfer records, receipts, chat records, etc. You can provide these evidences to the other party to prove your willingness to repay and integrity.

3. Re-sign the IOU: If the other party asks you to re-sign the IOU, you can re-draft a new IOU according to the previous agreement, and ensure that it contains all the previously agreed contents, such as the loan date, loan amount, repayment date and interest.

4. Negotiate the repayment method: After re-signing the IOU, you need to negotiate the repayment method with the other party. You can negotiate with the other party for installment repayment or one-time repayment to meet the needs of both parties.

5. Fulfill the repayment obligation: Finally, you need to fulfill the repayment obligation and repay the loan at the time and amount agreed in the agreement. If you can't repay the loan on time, you need to contact the other party in time to negotiate a solution to avoid more disputes and losses.

In short, if you don't pay your debts, you need to contact the other party in time and provide other evidence to prove your willingness and integrity to repay. After re-signing the IOU, it is necessary to negotiate the repayment method with the other party and repay the loan at the time and amount agreed in the agreement.

Legal basis:

Article 120 of the civil procedure law: mode of prosecution

The prosecution shall submit a complaint to the people's court, and submit copies according to the number of defendants. If it is really difficult to write a complaint, it can be made orally, which will be recorded by the people's court and the other party will be informed.

Article 239 of the Civil Procedure Law: Time limit for application for execution

The application period is two years. Where an application is made for suspension or interruption of the limitation of execution, the relevant provisions of the law on suspension or interruption of the limitation of action shall apply. The period specified in the preceding paragraph shall be counted from the last day of the performance period determined by legal documents; If the legal document stipulates that the performance shall be performed by stages, it shall be counted from the last day of each performance period; If the legal document does not stipulate the time limit for performance, it shall be counted from the date when the legal document takes effect.