That is how I read it as well, however legally when we got married I think we assumed each others debts didn't we? That is why I think we have to list both. Any evidence to the contrary on that? I would really love to list the applicants debts which are zero.
The Montreal consulate moved to a different address (I think in early November 2019). The letter we received from them in October said that a citizen could attend the interview, however when I got there for the interview in December the petitioner could not attend. This apparently was because the place they moved to was smaller and could not accommodate the extra people. The petitioner also is not allowed to wait on the street so I waited at the coffee shop up the block.