(b) Except as otherwise provided by statute:

1. (1) The separate property of a married person is not liable for a debt incurred by the person’s spouse before or during marriage.
2. (2) The joinder or consent of a married person to an encumbrance of community estate property to secure payment of a debt incurred by the person’s spouse does not subject the person’s separate property to liability for the debt unless the person also incurred the debt.