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.