What legal tool can be used to collect a debt from an estate?

The choice of a creditor's claim as the legal tool used to collect a debt from an estate is accurate because it is the formal process through which creditors notify the estate of their claim against the deceased person's assets. When an individual passes away, their estate is responsible for paying their debts before any distributions are made to heirs or beneficiaries.

The creditor's claim must be filed within a specific time frame, as dictated by estate laws, and includes information about the debt owed. This process ensures that debts are properly accounted for and settled before the estate can be distributed to the beneficiaries, protecting the rights of creditors.

The other options do not serve this purpose. A testament typically refers to a will or a document outlining an individual's wishes regarding their estate upon their death, but it does not specifically pertain to collecting debts. An affidavit is a sworn statement, which while useful in various legal contexts, does not directly address debt collection from an estate. The letter of administration is a document granted to an individual who is appointed to manage the estate of someone who died without a valid will, enabling them to act on behalf of the estate but not specifically regarding creditor claims. Therefore, the creditor's claim is indeed the appropriate tool for this situation.