First of all, if the ex-wife is responsible for this joint debt, the bank will investigate the joint liability of both husband and wife. According to Article 41 of the Marriage Law, at the time of divorce, the debts originally incurred by the husband and wife living together shall be paid off jointly by the husband and wife. If the joint property is insufficient to pay off, or if the property belongs to each other, it shall be paid off by mutual agreement; If the agreement fails, the people's court shall make a judgment.

Secondly, regarding execution, execution is generally limited to the debtor's solvency and property. Generally, if the debtor's life is difficult due to civil execution, the people's court will generally suspend the execution. Private lending, debt settlement, etc. Generally, failure to execute the property required by the person subjected to execution will lead to social events, and the court would rather suspend execution than bear the risk of being sued.

However, when the executor of the application is a bank, the court will execute all the executable property unless the executor has fulfilled the repayment obligation. Banks with local characteristics don't care whether individuals live or die, and some will be obligated even if they don't enjoy the benefits at all. For example, if the mortgaged house collapses, they will have to continue to repay the bank, not to mention the benefits of overdraft credit card accounts in this case. According to Article 244 of the Civil Procedure Law

If the person subjected to execution fails to perform the obligations specified in the legal documents according to the notice of execution, the people's court has the right to seal up, detain, freeze, auction or sell off the property that the person subjected to execution should perform. However, the necessities of life of the person subjected to execution and his dependents shall be retained.