I am sorry for your situation. No, she is not personally liable for your sole debts but your estate is and that might include your assets that could be sold. If you have not done so, make an appointment early next week to review your will, deeds, and other estate planning matters. Failing to do so can be tremendously expensive later. Good luck to you and your family. Since this was posted under education law for some reason, other lawyers probably will not see the post.