Legal analysis: it depends on whether the man's consumption is before or after the divorce. For the consumption after divorce, the woman does not need to bear the responsibility. For the consumption before divorce, if it is the debt during the existence of the relationship between husband and wife, it is generally recognized as joint debt. The woman needs to prove that it has nothing to do with family expenses and is used by the man for personal consumption, that is, she does not need to bear the responsibility.

Legal basis: Article 1064 of the Civil Law of People's Republic of China (PRC) (hereinafter referred to as the Civil Law), the debts jointly signed by the husband and wife 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.