Hi Neet
Alan is correct in telling you that if you have not co-signed or provided a personal guarantee over the loan then you are not liable for the debt.
However, if your relationship status changes and you separate. Your de facto partner has property settlement entitlements to your combined financial interests, and this means that in any split the debts are paid first, and you split the balance.
A creditor can have up to 12 years to enforce a judgement.
If your relationship status changes during this time (that is, you separate), then the creditor starts looking at your combined marital (de facto) assets and income - knowing that your partner has gained property settlement entitlements under Family Law legislation.
This is known as STD - "Sexually Transmitted Debt".
"The general position in Australian family law proceedings is that in the absence of being able to prove "waste" or that the debt was not enforced or was unreasonably incurred, then debts which accrue during the relationship are shared. This is because marriage or a de facto relationship is viewed as an economic partnership.
In certain circumstances, this can extend to becoming liable for your partner's debts even if they were incurred after separation. This is because debts usually "come off the top" of the pool of assets prior to deciding how the remaining assets should be allocated."
If you stay together, the creditor has no right to collect the money from you.
Please let me know if you need further clarification, kind regards, James.