Hong Kong people owe money. How can I write an IOU?

Generally, IOUs should clearly state the debtor and the debtor, as well as the specific amount and repayment date, as well as overdue interest or collateral. If you are still worried about loopholes, you can write a complete and legally based electronic agreement on WeChat IOUs. It can not only guarantee debt collection, but also provide services such as SMS debt collection and automatic application for arbitration.