I've never felt sooooo stupid or inept! Am I? Can this be resolved or fixed???

My husband was a disabled Viet Nam Veteran that had been very sick for the last 4 years. I kept him at home and cared for him, till the end, which came in December 07. I miss him so, it's very hard. I'm trying to pull myself together, and I've got a huge dilemna. I welcome any advice or information. We were buying our home, had been for years. I'm left with a debt of $130,000.00 and mortgage payments that I can't possibly pay. His life insurance was denied and I have no income, pension or savings to live on at present. I am currently seeking employment. I'll most likely earn minimum wage. My teen-ager and I moved out of the house into a small place with what little money I could gather, earn, make from selling our things... afraid that we would be put out soon. I don't know what to do. The house was in my husband's name only so they won't talk to me. Believe me, I've tried! I've sent them the death certificate. I need some good and correct advice on how to possibly resolve this???