During the duration of the husband wife relationship, debts not due to the couple's common life, production and operation or without joint consultation shall be recognized as personal debts. In general, the following debts shall be recognized as personal debts:
 1、 According to the provisions of the Marriage Law, the husband and wife agree on the debts to be borne by themselves, except for those to avoid debts
 2、 Unauthorized financing of debts incurred by relatives and friends who do not have the obligation to support them without the agreement of the husband and wife through consultation
 3、 Without the consensus of the husband and wife, they raise money independently to engage in economic activities, and their income is not used for the debts incurred by living together
 4、 Other debts that should be borne by individuals, such as personal debts before marriage, debts borne by one party's unreasonable expenses.
 The personal debts incurred during the existence of the husband wife relationship, whether during the existence of the marriage relationship or after divorce, or the debtor's disappearance or death, shall be borne by the individual, and the other party has no obligation to repay the debts. Of course, if the two parties supplement the agreement later, the agreement shall prevail.