Hello Mrs. Burks. Thank you for coming to Just Answer so that we can help you with your question. RD had to go to a meeting and gave me permission to work with you.
The money that Morgan Stanley should have paid you in 2007 was the amount of money that the IRS requires anyone over 70.5 years old to take out of their IRA each year. Since your husband expired in 2007, you inherited his IRA (unless he willed it to someone else). I would expect that is why Morgan Stanley didn't send you the payment. If you are over 70.5 years old, then Morgan Stanley will need to make a payment to you.
Since I don't know the specifics of your husband's estate, there is little help that I can give you. Was there an executor for your husband's estate? Did someone help you with your taxes in 2007? You will probably need to have an amended return prepared for 2007 and you need to discuss this with someone in person that can look at the papers and prepare papers for you. If you have a lawyer or tax preparation person that is already familiar with your situation that would be best. If your husband had an executor, that person may be able to help you find a reputable CPA, lawyer or tax preparer. If you can't find anyone else that you are already connected to or recommended to, call your local H&R Block office and ask for an enrolled agent to work with you.
I'm sorry about your loss and if you can't find a person to work with you, I will try to get a recommendation for someone in the Roanoke area (I know people that live there). This situation is complex enough that you need to deal with someone face-to-face. Let me know if you need further help.
I spoke with a person I know in Roanoke that is connected with the legal community. If you or the executor of your husband's estate can't find a lawyer or CPA that you've already worked with, contact the firm of "Plunkett and Oehlschlaeger" in Roanoke. Deborah Oelschlaeger specializes in estate planning and estate management. She works with a CPA firm that can help you correct your tax papers. She's very trustworthy and can help you with your financial and tax problems.
Good luck and I hope this helps.