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First, I am very sorry for your loss.
The first thing you need to do is open your wife's estate in probate court. This involves opening a case and notifying all of her creditors that she has passed away so they can file their claims. They would need to get paid back from her estate prior to you inheriting anything of hers. In other words, you are still responsible for paying your wife's creditors even though she has passed away. I suggest you find a local probate attorney to assist you with the handling of her estate and transferring everything to your name.
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You need to notify them.
They can make you the guarantor because you are her husband and the debts were held jointly.
Whenever a married couple incurs a debt or asset, it is considered marital property and both the husband and wife are responsible for it.