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Hello, this is Jim and welcome to JustAnswer.
Thank you for the question, I am reviewing the details now and I will aim to resolve it as quickly as possible for you.
Sorry to hear of your loss and of the situation. Any money owed would be a debt, which is the responsibility of your late Wife's estate - it would need to be paid off from any available cash or assets and the executor should attend to this.
I am not sure if you are the executor and whether there was a valid will in place. The debt is not inherited meaning you and any other family members would not then be liable the money owed. The executor should write to the parties who the debt is owed and ask for an up to date statement of what is actually owed. You can send a copy of the death certificate to them. If there is a direct debt for the finance, the executor should ensure this is stopped so prevent further payments being made.
If she had any life insurance, the executor should contact the life insurance provider as soon as possible as the debt may be covered under the terms of the policy. To answer your question, you are not responsible for the money, no.
I hope this answers the question. If you have any follow up questions then please do let me know.
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Thanks, ***** ***** was no will then the laws of intestacy would prevail meaning her next of kin inherits (yourself), then any children, etc. As for the finance, let me know if you need any more guidance with this.