Both husband and wife may have disputes with a third person over who should repay their personal or joint debts and how to repay them. The key to deal with such cases is to first determine whether the debt is personal debt or joint debt, which is the premise to solve the debt repayment problem and determines the way of debt repayment. After determining the nature of the debt, how to repay it and whether it should be repaid with the joint property of the husband and wife is a major difficulty in such cases.