Legal analysis: it depends on the purpose of expenditure. If the amount owed is used for the joint production, operation and life of husband and wife, it belongs to the joint debt of husband and wife and should be shared by husband and wife; The amount owed is used for personal expenses and belongs to the personal debt of one spouse. However, it is difficult to identify this situation as a joint debt of husband and wife, so there is no need to take the initiative to be responsible for this debt.

Legal basis: Interpretation of the Supreme People's Court on Relevant Issues Concerning the Application of Law in the Trial of Cases Involving Husband and Wife Debt Disputes.

Article 2 During the marriage relationship, the people's court shall support the debts incurred by the husband and wife in their own names due to the daily needs of the family, and the creditors claim their rights on the grounds that they belong to the joint debts of the husband and wife.

Article 3 The people's court shall not support the debt incurred by one spouse in his own name during the marriage relationship that exceeds the daily needs of the family, and the creditor claims the rights on the grounds that it belongs to the joint debt of the husband and wife, except that the creditor can prove that the debt is used for the joint life, joint production and operation of the husband and wife or expressed on the basis of the common meaning of the husband and wife.