Legal analysis: the debts arising from the joint life of husband and wife should be paid off together. 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. Who signed the IOU? If both parties sign it, even if they divorce, one person will pay back half, because the policy has just been implemented. In marriage, if one party borrows money without the knowledge or consent of the other party, it shall be repaid by the person who legally belongs to the lender.

Legal basis: Article 1089 of the Civil Code of People's Republic of China (PRC). At the time of divorce, the joint debts of husband and wife are paid off by both parties. If the joint property is insufficient to pay off or 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.