The reason is that both spouses bear external debts, and the accounting has expired. Both husband and wife should be jointly and severally liable to the creditors. The creditors can ask either husband and wife to pay off the debts at any proportion of their claims. According to their agreement, under the general condition that there is no internal agreement between husband and wife, they will share the debts equally. This is the way of joint and several liability. Article 178 Where two or more persons are jointly and severally liable according to law, the obligee has the right to request some or all of the jointly and severally liable persons to bear the liability.
the responsibility share of the joint and several responsible persons shall be determined according to their respective responsibilities; It is difficult to determine the size of the responsibility, and bear the responsibility equally. Joint and several persons who actually assume more responsibility than their own share have the right to recover from other joint and several persons.
joint and several liability shall be stipulated by law or agreed by the parties. Article 188 The limitation of action for requesting protection of civil rights from a people's court shall be three years. Where there are other provisions in the law, such provisions shall prevail.
the limitation of action shall be counted from the day when the obligee knows or should know that the right has been damaged and the obligor. Where there are other provisions in the law, such provisions shall prevail. However, if more than 2 years have passed since the right was damaged, the people's court will not protect it; Under special circumstances, the people's court may decide to extend the period according to the application of the obligee.
article 189 if the parties agree to perform the same debt by installments, the limitation period of action shall be counted from the date when the last installment expires.
article 19 the limitation period of action for a person without capacity for civil conduct or a person with limited capacity for civil conduct to claim his legal representative shall be counted from the date when the legal representative terminates.
article 191 the limitation period for the claim for damages suffered by minors who have been sexually assaulted shall be counted from the date when the victim reaches the age of 18.
article 192 if the limitation of action expires, the obligor may raise a defense of non-performance.
if the obligor agrees to perform after the expiration of the limitation of action, it shall not plead on the grounds of the expiration of the limitation of action; If the obligor has voluntarily performed it, he may not request to return it.
article 193 the people's court shall not apply the prescription of action on its own initiative.