Personal debt refers to the debt borne by an individual or the debt incurred when one party engages in the common life of an unrelated family. According to the law of our country, the debts that one spouse bears in his or her personal name in excess of the daily life needs of the family during the duration of the marriage relationship are generally personal debts.
 Legal basis:
 Article 1064 of the Civil Code of the People's Republic of China
 The debts incurred by the joint declaration of intention, such as the joint signature of both husband and wife or the subsequent ratification of one of the husband and wife, and the debts incurred by one of the husband and wife for the daily needs of the family in his own name during the existence of the marriage relationship, belong to the joint debts of husband and wife.
 The debts incurred by one of the husband and wife in their personal name during the existence of the marriage relationship in excess of the daily needs of the family are not joint debts of the husband and wife; However, unless the creditor can prove that the debt is used for the husband and wife's common life, production and operation, or based on the joint intention of the husband and wife.