Marital debts are jointly borne by the husband and wife, and after the marriage is over, the debts are independently borne by the debtor. In other words, after the divorce, the ex-wife goes to get a loan, and the husband's signature is invalid, and the other party does not need to bear the debt, which does not constitute fraud.

* * * Introduction to fraud:

Fraud refers to the act of defrauding a large amount of public and private property by fabricating facts or concealing the truth for the purpose of illegal possession.

Fraud by two or more persons constitutes fraud.