Legal analysis: IOUs are valid. The creditor may claim the creditor's rights from the debtor, that is, the signatory. As for whether the other spouse bears legal responsibility, it depends on whether the husband and wife are in the same debt.

Legal basis: Article 1064 of the Civil Code of People's Republic of China (PRC).

The debts incurred by both husband and wife after the same signature or ratification by one party, and the debts incurred by one party in his own name for the daily needs of the family during the marriage relationship, belong to the same debt of husband and wife.

Debts incurred by one spouse in his own name during the marriage relationship that exceed the needs of family daily life are not joint debts of husband and wife; However, the creditor can prove that the debt is used for the husband and wife's life, production and operation, or based on the same meaning of both husband and wife.