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You want to go to the County Court and go to the Clerk for the Probate Court. Tell them that on behalf of your children and the heirs of your ex-husband that you want to be appointed the Personal Representative of your ex-husband's estate. You will have to fill out some forms and then the Court can appoint you the Personal Representative and Administrator of the Estate. When they do that they do that they will give you "Letters of Authority" to act for the estate.
Then you can take the letters of authority to the bank, withdraw the money and pay yourself the debt owed. You will then complete a form to the Court stating that the estate has been closed.
Here are resources that can help you with this:
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Please note: Information is educational and not given as legal advice. Only your local attorney can give legal advice. I can't establish or accept an attorney-client relationship with you. All posts are available for public viewing.