In New York, the Executor or Administrator of an estate is obligated to address all claims presented within the prescribed time frame and in the form set forth by law. Failure to comply with the requirements of Surrogate’s Court Procedure Act (SCPA) §1802 and §1803 may be disastrous to the creditor. You are a creditor of an estate, if a decedent owed you money (debts) while he or she was alive. Examples of debts include: personal loans, credit card debt, bank loans, unpaid fees for services, medical bills, auto loans, rents, etc.
If you have a valid claim against a decedent, you must follow the procedures prescribed by law.
via How to Make a Claim Against the Estate of a New York Decedent.