Debts are divided exactly how assets are divided. Often, the Court will use debts to balance out the distribution of assets in order to make sure that everything remains equitable. The person who gets the car usually also gets the car loan; the person who gets the house usually also gets the mortgage. In addition to keeping this equitable, this also helps to inventive someone to pay the debt. After all, it’s hard to get motivated about paying for the car that someone else is driving.