Short answer
Joint debts are divided proportionately to the spouses’ shares of joint property. First establish whether a debt is genuinely joint. One spouse’s signature and use of money for family needs have different significance.
Practical example
One loan finances the family home and another serves personal purposes. They cannot be allocated identically without assessment.
What to do
Gather contracts, money movements and evidence of use. Distinguish arrangements between spouses from a borrower’s obligations to the bank.
Points to consider
An agreement that one spouse pays does not always release another borrower without the bank’s consent.
Legal basis
Civil Code of Georgia, Articles 1169, 1170. Current text: https://matsne.gov.ge/ka/document/view/31702
Information checked on 28 October 2026. The outcome depends on the documents and facts of the individual case.
Consult YURFIRMA to assess your documents and the appropriate legal route: https://yurfirma.ge/en/kontakty
This is general information and does not replace a legal assessment of your specific case. The current law and the relevant facts are checked again when you seek advice.