If the husband owes money, the wife does not have to bear the responsibility for repayment. The situation that the wife needs to bear the joint liability for repayment is mainly aimed at the situation of joint debt and joint signature. For what the wife really doesn't know, it's not the debt used for the daily life of the family, or the personal debt owed by the husband before marriage, the wife doesn't need to bear joint liability whether she is married or divorced. Debts jointly signed by husband and wife or ratified by one of them afterwards, as well as debts incurred by one of them in his own name for the daily needs of the family during the marriage relationship, are joint debts of 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.

Legal basis:

Article 1064 of the Civil Code of People's Republic of China (PRC) (hereinafter referred to as "Civil Code"), 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 life 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.

Derivative problem:

If you owe money, how much can you file a case?

Having money is not a civil case. Under normal circumstances, the police will intervene at a shallow level and will not delve into it. At most, it is mediation, and no case will be filed. If fraud is reported, the police will be very cautious. It is uncertain whether people who owe money can constitute fraud. So calling the police can't solve the problem of not paying back the money.

You can go to court to sue for repayment. The debt should be paid off. If it is temporarily unable to repay, it may be repaid by the debtor in installments with the consent of the creditor or the ruling of the people's court. At the same time, the borrower shall pay the interest within the agreed time limit.