The divorce agreement says that all debts are paid by the man, not the woman. The agreement only has legal effect on both men and women, and does not affect the creditor's demand for the woman to repay the debt. At the time of divorce, the debts originally incurred by the husband and wife living together shall be paid off jointly. The joint property of husband and wife is handled by mutual agreement, so both parties can stipulate in the divorce agreement that all debts will be borne by one party after divorce, but this agreement cannot be against a third party.

Legal objectivity:

People's Republic of China (PRC) Civil Code

Article 1076

If the husband and wife voluntarily divorce, they shall sign a written divorce agreement and apply for divorce registration in person at the marriage registration office.

The divorce agreement shall specify the expression of willingness of both parties to divorce and the consensus on matters such as child support, property and debt disposal.

People's Republic of China (PRC) Civil Code

Article 1080

After the divorce registration is completed, or the divorce judgment or mediation becomes effective, the marriage relationship is dissolved.