Legal analysis: the husband and wife have the same debt and need the wife to bear it. If it is the husband's personal debt, the wife does not have to bear it. Therefore, if a wife wants to protect herself, she can only prove that the debt is her husband's personal debt. First, the wife can prove that the debt was incurred by the husband before marriage and was not used for the husband and wife to live together. Second, the wife can prove that the debt has been agreed with her husband as a personal debt, but this cannot be against the creditor, but the wife can recover from her husband after repaying the debt. Third, the wife can prove that she knows nothing about the debts borrowed by her husband, and the debts borrowed by her husband are not used for husband and wife to live together and undertake legal support and maintenance obligations. Four, the wife can prove that the debt is the debt of the husband in his own name, and the husband and the creditor clearly agreed that it is a personal debt or the creditor should know that it is a personal debt when the debt relationship is established.

Legal Basis: Interpretation of the Supreme People's Court on Several Issues Concerning the Application of the Marriage Law of the People's Republic of China (II) Article 24 Where a creditor claims rights for debts incurred by one of the spouses in his own name during the marriage relationship, it shall be regarded as debts of the spouses.

However, unless one of the spouses can prove that the creditor and the debtor clearly agreed to be personal debts, or can prove that it belongs to the circumstances stipulated in the third paragraph of Article 19 of the Marriage Law.