Thank you for your question
My name is ***** ***** I am sorry for your loss
What assets were held in her sole name?
The first claim on the assets of your late wife is the funeral expenses.
After that the balance (if any) should be paid proportionately to all the creditors.
I suggest that you draft a letter to send to all of them detailing the assets and debts and confirming that the Estate is in fact insolvent.
No matter what they say to you they have NO claim on any assets held in joint names
I hope that this is of assistance - please ask if you need further details