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“他欠下的巨款,凭什么要我来还!” | 橙律师
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“他欠下的巨款,凭什么要我来还!” | 橙律师

23 十月 2019 - 14:10

大家好呀,我是伞姐。

前几天伞姐看到一篇文章,被吓得不轻,特地来给大家讲讲,顺便也提个醒。

文章里提到了一个案件:

丈夫以个人的名义向某人借款,来偿还公司债务。而这笔借来的钱,是先打到妻子账户里,再由妻子汇款给公司的。

最高院下发的民事裁定书里说,由此可知,妻子明知这笔借款并实际参与,所以丈夫的借款属于夫妻共同债务。

总结一下就是:

借款人借款后通过配偶的账户转账的,应视为夫妻共同债务!

这么一刀切地裁定真的没问题吗?

先不说现在能把钱财账务分得清清楚楚的夫妻有多少;

如果另一半有意钻空子,知道我的账户密码,或者是银行卡有绑定手机APP,被拿去利用的话……

岂不是被人卖了还帮忙数钱??

太可怕了吧!

 

图/MoneySense

 

慌乱之中,我连忙去问了下橙律师。

橙律师表示:“坚决反对!”

橙律师说,现在的很多家庭,生活中夫妻的地位是不对等的。

往往是强势的一方左右着家里的一切大权,甚至包括实际掌控配偶一方的经济收入(包括实际代为持有配偶一方开设的银行卡和密码)。

配偶一方根本没有实际支配权,也对于钱款流向根本不知情,这样的情况相信不止一两个。

所以说,最高院的裁判规则不能搞一刀切。

具体裁定,还是需要调查清楚实际情况,综合判断配偶一方对该笔债务是否知情,并实际参与,再判定债务的性质是举债一方的个人债务还是夫妻共同债务,如此才显得法律的公平公正。

关于夫妻债务的问题,橙律师早先就有直播详细地讲解过。

 

https://chengyusan.cn/article/bu-gen-nan-ren-tan-qian-de-nu-ren-hui-shi-shi-yao-xia-chang-cheng-lu-shi

△点击链接,学习更多婚姻财产相关知识

 

对于夫妻共同债务的认定,《最高人民法院关于人民法院审理离婚案件处理财产分割问题的若干具体意见》第十七条规定:

“夫妻为共同生活或为履行抚养、赡养义务等所负债务,应认定为夫妻共同债务,离婚时应当以夫妻共同财产清偿。”

无法认定为夫妻共同债务的情况则有:

一、夫妻双方约定由个人负担的债务,但以逃避债务为目的的除外;

二、一方未经对方同意,擅自资助与其没有抚养义务的亲朋所负的债务;

三、一方未经对方同意,独自筹资从事经营活动,其收入却未用于共同生活所负的债务;

四、其他应由个人承担的债务。

上述案子中,妻子就因为被认定对丈夫的借款行为知情同意,承担上了丈夫的债务。

 

图/图虫

 

而昨天的十三届全国人大常委会第十四次会议里,对民法典婚姻家庭编草案进行了三审。

其中,对于备受关注的夫妻共同财产认定规则,三审稿仍然采用24条新司法解释的相关规定,即:

夫妻双方共同签字,或者夫妻一方事后追认等共同意思表示所负的债务,以及夫妻一方在婚姻关系存续期间,以个人名义为家庭日常生活需要所负的债务,应当认定为夫妻共同债务;

而夫妻一方在婚姻关系存续期间,以个人名义,超出家庭日常生活需要所负的债务,是不属于夫妻共同债务的。

举个例子,男方说,他借了一千万,全用于夫妻共同生活了,所以得共同承担。

这时女方就可以来举证,说我们共同生活的柴米油盐,花不到一千万,和事实出入非常大。

这样违背常理的,也不会被认定为共同债务。

但是,如果说债权人能够证明,该债务用于夫妻共同生活、共同生产经营或者基于夫妻双方共同意思表示,那么这种情况除外。

换言之如果说这夫妻俩婚后生活特别奢华,买米、买油、买套套,什么都买,一千万小意思,这时候双方要共同承担债务吗?

当然就是要的了。

 

图/Debt.com

 

说了这么多,伞姐只想让姑娘们意识到:

正义也是需要证据支持的。

与其最后在法庭上受委屈,不如提前培养财产意识。

在婚姻中掌握一定的财产权,其重要性不言而喻。

姑娘们,把钱都揣进自己的兜里吧!

 

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