Hello and welcome. Thank you for for follow up question and allowing me to assist you further.
First the promissory note. It is little different from IOU. An IOU is merely an acknowledgment of debt. There are not other details mentioned such as the rate of interest, the date and time on which it will be repaid, etc.etc. It is also not much used in the practical world now a days.
The promissory note, on the other hand, does indeed acknowledge that a debt exists, but it also typically explains the following:
=>The amount of debt
=>The interest, if any, that will be paid on the debt
=>How and when the debt is to be paid
The following is a good informatory resource.
There are many types of promissory notes. Kindly refer another excellent resource.
Regarding asking someone to sign an IOU or a promissory note, the most diplomatic way would be to ask them and agree them to just document the debt. This way, you can mildly ask them to sign it. There can be no softer way to ask for that.
I am sure this would help.
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