The reason is that both husband and wife are burdened with foreign debts and their accounts have expired. Both husband and wife shall be jointly and severally liable to creditors. Creditors may require either spouse to pay off debts according to any proportion of their claims. According to their agreement, husband and wife can share the debt equally without internal agreement. 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 creditor has the right to request some or all of the jointly and severally liable persons to bear the liability.

The share of responsibility of the jointly and severally liable persons shall be determined according to their respective responsibilities; It is difficult to determine the size of the responsibility and share the responsibility equally. The jointly and severally liable persons who actually assume the liability exceeding their share have the right to recover from other jointly and severally liable persons.

Joint liability is stipulated by law or agreed by the parties. Article 188 The limitation of action for requesting the people's court to protect civil rights shall be three years. Where there are other provisions in the law, those provisions shall prevail.

The limitation period of action shall be counted from the date when the creditor knows or should know that the right is damaged and the debtor knows it. Where there are other provisions in the law, those provisions shall prevail. However, if more than 20 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 time limit upon the application of the obligee.

Article 189 Where 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 190 The limitation period for a person without civil capacity or with limited civil capacity to claim a legal representative shall be counted from the date when the legal representative terminates.

Article 191 The limitation of action for minors to claim compensation for sexual infringement shall be counted from the date when the victim reaches the age of 18.

Article 192 Upon the expiration of the limitation of action, the debtor may raise a defense of non-performance.

After the expiration of the limitation period of action, if the debtor agrees to perform it, it shall not defend itself on the grounds of the expiration of the limitation period of action; If the debtor voluntarily performs, it may not request the return.

Article 193 A people's court may not apply the limitation of action on its own initiative.