In Colorado is a wife responsible for husband's credit cards if he dies?

I suspect that Colorado is no different than any other state. Credit card accounts are contract based. Those responsible for a contract are those who sign it. As long as the wife is not on the account, she cannot be held responsible for it. However, here's the hitch, in most states the estate of the deceased is responsible for any debt. All debts must be paid out of the estate before it can be disbursed to heirs. The wife being an heir, cannot receive any death benefits, insurance claims, saving or investment accounts, etc. until the debts owed are reconciled.