It depends on the specific situation. If the debt is jointly signed by the husband and wife or ratified by one of the husband and wife afterwards, the debt incurred by one of the husband and wife in his own name for the daily life of the family during the marriage relationship belongs to the joint debt of the husband and wife. According to article 1064 of the Civil Code, the debts incurred by the husband and wife jointly signed or ratified by one of them afterwards, and the debts incurred by one of the husband and wife in his own name for the daily needs of the family during the marriage relationship belong to the joint debts of the husband and wife. Debts incurred by one spouse in his own name during the marriage relationship that exceed the daily needs of the family are not joint debts of husband and wife; However, the creditor can prove that the debt is used for husband and wife's common life, joint production and operation, or based on the common will of both husband and wife.

Legal objectivity:

Article 1089 of the Civil Code: At the time of divorce, the joint debts of husband and wife shall be paid off jointly. If the joint property is insufficient to pay off or the property belongs to each other, it shall be paid off by mutual agreement; If the agreement fails, the people's court shall make a judgment.