In principle, the debts formed by one party before marriage are recognized as the personal debts of one of the spouses;
 If the creditor can prove that the debt owed is used for living together after marriage, it shall be recognized as joint debt, which shall be paid by both the husband and wife; The burden of proof in the above two cases shall be borne by the creditor claiming the right.
 Debts owed in the name of one party during the marriage relationship. According to the Judicial Interpretation of the Marriage Law
 （2） Article 24:
 In principle, debts owed in the name of one party during the existence of the marriage relationship should be recognized as joint debts of the husband and wife, which should be paid by the husband and wife together.
 However, if one of the husband and wife can prove that the debt is indeed the personal debt of the debtor, the party of the marriage relationship who is not in debt can resist the creditor's request.