Good morning. First let me tell you how sorry I am for the loss of your husband. I know this must be a very difficult time for you and I will keep you in my prayers!
As to your question, unfortunately, your friend is mistaken. Had you left the loan in your husband's name, your friend is right, you would not have been liable for the loan since you did not sign the loan. But, when the loan was moved and put in your name, then by becoming the primary on the loan, you became liable to your credit union. So, your credit union can look to you for payment.
This is the part of my job I don't like...when the law is not in favor of my customer. I wish I could tell you that you had no liability, but, I can only provide you information based on the law so that you can act on the best available information to you. ………..I wish I had better news, but can only hope you recognize and understand my predicament and don't shoot the messenger. I'm sorry!
Thank you so much for allowing me to help you with your question. I have done my best to provide information which fully addresses your question. If you have any follow up questions, please ask! If I have fully answered your question(s) to your satisfaction, I would appreciate you rating my service as Good or Excellent (i.e., 4 or 5 stars)(hopefully Excellent/5 stars J). Otherwise, I receive no credit for assisting you today. I thank you in advance for taking the time to provide me a positive rating!