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Chen and Liu had been separated since 2007, and the debts were supposedly accrued after that year. ” That day, Chen became one of hundreds of spouses to be confronted with the harsh realities of Article 24, which is treated like an extension of the original marriage law and was introduced at the start of 2004 to protect creditors from couples who divorce in order to avoid mutual debt obligations.

Numb to the reality of her predicament and adamant that these debts had nothing to do with her, Chen at first ignored all requests to appear in court and plead her case, which she subsequently lost. Under the clause, either husband or wife can in theory be excused from taking responsibility for debt obligations accumulated during marriage — but experts say judges rarely grant exemptions, as there is often insufficient evidence in the accused’s favor.“The lawsuits have become a cage for me,” Chen said, describing the rounds upon rounds of litigation spanning four years.

Four years ago, staring down at Changsha’s city streets from the 28th floor, Chen Li made the decision not to leap. The then-37-year-old receptionist was facing eight lawsuits filed by multiple lenders and had just lost her first case, meaning her salary would be cut to the bare minimum, as ordered by the court.“I burst out crying and rushed to the top floor of the building,” said Chen, who lives in the largest city in central China’s Hunan province.

“I felt there was no way out, and it occurred to me that a jump would bring an end to it.”Earlier that year, Chen had divorced her husband after five years of living apart, and she’d worked hard to establish a new life for herself.

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Chen had never heard of the clause until four years ago, when she discovered she was being pursued for debts allegedly run up by estranged husband Liu Yi, whom she divorced in 2012.

The money in the disputes amounted to a combined 3.4 million yuan (6,000) — about 20 times Chen’s annual income.

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