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My wife owed 200,000 on her credit card before marriage. Should she have her property notarized?

No need

The notary office can notarize that the property and debts of the couple after marriage belong to each of them. This notarization can be done before or after marriage. But this notarization needs to be done before the debt is incurred. The Marriage Law stipulates: Article 19: Husband and wife may agree that the property acquired during the marriage relationship and the property before marriage shall be owned by each other or jointly, or may be partly owned by each other and partly jointly owned by the couple. The agreement should be in writing. If there is no agreement or the agreement is unclear, the provisions of Articles 17 and 18 of this Law shall apply. The agreement between husband and wife regarding the property acquired during the marriage and the property before marriage shall be binding on both parties. If a husband and wife agree that the property acquired during the marriage shall be owned by each other, and if a third party is aware of the debt borne by either husband or wife, the debts borne by the husband or wife shall be paid off with the property owned by the husband or wife.