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Hi, Thank you for your question and welcome. My name is ***** ***** I will assist you. I am sorry to hear of your loss. You are not personally liable for your wife's debts unless you personally guaranteed them in writing.
You cannot be held liable for some one else's debts unless you agree to accept liability in writing - the law for this is the Statute of Frauds 1677.
The bank may be able to claim for these from your late wife's estate.
For example if she had any assets.
I look forward to hearing from you.