Legal analysis: 1. Creditors who claim rights for debts incurred by one spouse in his own name during the marriage relationship shall, in principle, be treated as joint debts of husband and wife. 2. If one party has enough evidence to prove that the husband and wife have no agreement to borrow money together, and the debt is not used for the husband and wife to live together, the debt can be recognized as personal debt of the husband and wife. In this case, there is no need to repay.

Legal basis: Article 1064 of the Civil Law of People's Republic of China (PRC) (hereinafter referred to as the Civil Law), the debts jointly signed by the husband and wife or ratified by one of them afterwards, and the debts incurred by one of the husband and wife in his own name for the daily needs of the family during the marriage relationship belong to the joint debts of the husband and wife. Debts incurred by one spouse in his own name during the marriage relationship that exceed the daily needs of the family are not joint debts of husband and wife; However, the creditor can prove that the debt is used for husband and wife's common life, joint production and operation, or based on the common will of both husband and wife.