债主找上门，第一件要弄清楚的事不是「怎么还」，是这笔债在法律上是不是你的。
判断路径是三条并列的，任意一条成立即可能被认定为夫妻共同债务：共同签名或事后追认（这一条最直接，成立则其余不必讨论；而「追认」的形式很宽——用自己的账户还过款、在聊天里确认过、签过担保都可能算）；用于家庭日常生活需要（不需要你签字也可能成立）；超出日常需要但债权人能证明用于共同生活或共同经营（这一条的举证责任在债权人）。
回答几个问题，代码把三条路分别标出成立／不成立／还不确定，并列出每条对应的证据方向。
这个工具不给结论，因为给了就是误导——同样的三条路径，在不同的证据组合下结论可能完全相反，认定由法院作出。
但有一件事现在就必须知道：你的行为本身可能改变结论。不要用自己的账户替对方还款（哪怕只是「先稳住对方」）、不要在聊天里写「我们会还」、不要在任何还款计划或调解协议上签字。对方要你签任何东西时，正确回答只有一句：「我需要先咨询律师。」
还有一条很多人不知道：离婚协议里关于债务的约定，通常不能对抗债权人——写了「由对方偿还」，债权人仍可能起诉你。
$3 解锁按你的情形分的证据固定清单与获取方式、与债权人沟通的话术边界、以及应诉准备与自保动作。
When a creditor turns up, the first question isn't how to pay — it's whether the debt is legally yours.
In mainland China the tests run in parallel, and any one of them can make a debt a marital one: you signed or later ratified it (the most direct — and ratification is broad: repaying from your own account, confirming it in a chat, signing a guarantee); it was used for ordinary household needs (which can apply without your signature); or it exceeded ordinary needs but the creditor can show it funded shared life or a shared business (where the burden of proof is on the creditor).
Answer a few questions and the code marks each test as met, not met, or undetermined, with the evidence each turns on.
No conclusion is offered here, because offering one would mislead — the same three tests produce opposite outcomes on different evidence, and the determination is a court's.
One thing matters immediately though: your own conduct can change the answer. Don't repay from your account to buy time, don't write "we'll pay" in a message, don't sign any repayment plan or settlement. When asked to sign anything, the correct reply is: "I need to consult a lawyer first."
And one many people don't know: a divorce agreement's debt clause generally does not bind creditors — writing that the other party will repay doesn't stop a claim against you.
$3 unlocks an evidence checklist matched to your situation, the limits of what to say to a creditor, and preparation if proceedings begin.
按你的情形分的证据固定清单与具体获取方式（哪些现在能取、怎么取才有效力）、与债权人沟通的话术边界（哪些话绝对不能说）、离婚协议债务条款的处理、以及收到传票之后的第一周该做什么。An evidence checklist matched to your answers with how to obtain each in usable form, the limits of what to say to a creditor, how a divorce agreement's debt clause actually works, and what to do in the first week after a summons.
本工具不提供法律意见，不认定任何债务的性质，也不预测任何案件结果。 夫妻共同债务的认定依据具体事实、证据与法律适用，由法院判断；相同的自查结果在不同证据组合下结论可能完全相反。本工具基于你自己的选择做结构化整理，选项本身可能不准确或不完整。举证责任的分配、诉讼时效、应诉期限等程序问题必须咨询执业律师——收到法院传票或起诉材料的，应诉有严格期限，错过通常导致缺席判决。请勿依据本工具的输出与债权人达成任何协议或签署任何文件。若存在人身安全风险、威胁或骚扰，请立即联系公安机关。你填写的内容不入库。
This is not legal advice, characterises no debt, and predicts no outcome. Whether a debt is marital depends on the facts, the evidence and the applicable law, and is determined by a court; identical self-check results can lead to opposite conclusions on different evidence. This tool structures your own selections, which may themselves be inaccurate or incomplete. Burden of proof, limitation periods and response deadlines must be discussed with a licensed lawyer — if you have received a summons or claim documents, deadlines are strict and missing one usually results in a default judgment. Do not reach any agreement with a creditor or sign anything on the basis of this output. If there is any threat to your safety, contact the police immediately. Nothing you enter is stored.