Each spouse is liable for their own separate debts. Separate debts are not considered when dividing community property. There are rules for classifying debts as separate or community. 1. Debts incurred before marriage by either spouse are separate debts. 2. Debts incurred during separation and before divorce are separate, except those incurred for common necessaries of life for either spouse or a minor child are community. 3. Debts incurred during marriage but before separation are characterized as separate or community based on whether they were incurred for the benefit of the community.