In NJ if you have a lot of credit card debt and the cards are only in your name will your spouse be held responsible for this debt when you die?

NJ is not a community property state. Threfore it is likely that the debts of the deceased cannot be collected from a surviving spouse. The assets and debts of the deceased are handled under state probate laws. There is specific property/assets that are exempt from probate procedures. It would be advisable to seek legal counsel concerning these matters. Most attorneys offer free consultation or at a minimal fee to explore the legal options pertaining to the issue at hand.