Legal analysis: Debts borne by both spouses with the same consent, such as mutual signatures or subsequent ratification by one spouse, should be deemed as joint debts of the husband and wife.

If a debt borne by one spouse in his or her own name for the daily needs of the family during the marriage relationship is borne by the creditor on the grounds that it belongs to the same debt of the couple, the people's court shall support it.

If one spouse owes debts in his own name that exceed the daily needs of the family during the marriage, and the creditor claims that the debts belong to the same spouse, the people's court will not support it. However, the creditor Exceptions can be made if it can be proven that the debt is used for the husband and wife's daily life, joint production and operation, or based on the mutual consent of the husband and wife.

Legal basis: Article 1089 of the "People's Liberation Army and Civil Code of the People's Republic of China". When divorce occurs, the debts originally borne by the husband and wife while living together shall be It should be repaid jointly. If the property of the two parties is insufficient to repay the debt, or if the property belongs to each other, the repayment shall be settled by agreement between the two parties; if an agreement cannot be reached, the People's Court shall make a judgment.