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I am Loren, a licensed attorney for over 30 yrs. Thank you for your patience as I review the question. I will post my response shortly.
My condolences for your loss.
As New Jersey is not a community property state, a surviving spouse is not specifically held liable for the debts left behind by their late husband or wife unless the debt was something that both parties put their signature on. Therefore, you are not personally liable for the bills left by your late husband.
His assets are vulnerable if the creditor opens an estate in probate. However, if you owned the property in joint tenancy with your late husband then it automatically became yours upon his death and is not vulnerable to claims in probate.
You are very welcome.
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I am sorry to hear that. If you have already signed something agreeing to pay then it is now your obligation, per the agreement.
I am sorry. I wish I could tell you otherwise.