Article 203 Title VI, Chapter 6 of the Civil Code of the Philippines

Article 203: Debts contracted by both spouses or by one of them with the consent of the other shall be paid from the community. If the common property is insufficient to cover common debts, the same may be enforced against the separate property of the spouses, who shall be equally liable.

 

EXPLANATION:

                     The debts contracted during the marriage by the spouse actually administering the community (although the law provides for joint administration, it is impossible to make this work in all cases; as in the case of absence of a spouse where the court may designate in appropriate cases one of the spouses to administer )must be for the benefit of the marriage to make the same properly chargeable to the community property  but if the debts were incurred by both spouses or by one with the consent of the other, no benefit need be proved by the creditor  to make the community property answerable thereto.