Legal analysis: People without any assets will be forced to owe money to bank credit cards. The most common situation is that the debtor has a house, but the house is registered in the name of the spouse. Some houses were bought after marriage, some were mortgaged to the bank to buy a house before marriage and repaid the loan together after marriage. In this case, the debtor has a share in the property and belongs to the joint property of husband and wife. The court can seal up such joint property, but it will not directly evaluate the auction.

Legal basis: Provisions of the Supreme People's Court on the Attachment, Seizure and Freezing of Property in Civil Execution by People's Courts Article 14 The people's court may attach, seize and freeze the property jointly owned by the executed person and others, and notify the co-owners in time. The people's court may consider it valid to divide the joint property with the consent of several co-owners, and it is approved by the creditors ..... If the co-owners file a property analysis lawsuit or apply for the executor to file a property analysis lawsuit by subrogation, the people's court shall allow it.