Question

Mr. and Mrs. Cruz got married and decided to enter into a Separation of Property Regime as defined in Articles 143-146 of the Family Code. They executed a marriage settlement that clearly stated their intent to separate their properties. However, after several years of marriage, Mrs. Cruz discovered that Mr. Cruz had been accumulating significant debts without her knowledge or consent. She is worried that she may be held liable for these debts, despite their property separation agreement.

Based on the provisions of the Family Code, particularly Articles 143-146, discuss the rights and obligations of Mr. and Mrs. Cruz in relation to their separation of property regime. Can Mrs. Cruz be held liable for Mr. Cruz's debts? Explain your answer and cite relevant provisions of the law to support your argument.