The general provisions of the law for the settlement of the estates of persons deceased, regulating the duties of executors and administrators, and the rights or claims of creditors, are very clear. Executors and administrators are to give notice of their appointment in the manner prescribed by the Rev. Sts. c. 66, § 1. They are not held liable to answer to the suit of any creditor, if commenced within one year after they give bond for the discharge of their trust, unless it be for recovery of a demand that would not be affected by the insolvency of the estate. And if, within the year, they shall not have notice of demands against the estate, which will authorize them to represent it insolvent, they may proceed to pay the debts due, without any personal liability, on that account, to any creditor who shall not have given notice of his claim, although the estate remaining should be insufficient to pay it. If, in such course of administration, they shall have paid out the whole estate before notice of a claim subsequently presented, they may plead that they have fully administered, and be discharged. Or, if any effects remain, they may proceed to represent the estate insolvent, where there are two or more claimants whose demands the remaining effects are not sufficient to pay in full, and pay *335pro rata according to some order or decree of distribution thereafter made. Rev. Sts. c. 66, §§ 10 — 13. Thus the executor or administrator has ample opportunity to ascertain whether the estate is insolvent or not. He is not to wait until the claims of creditors are proved at the law before he makes his representation of insolvency. He may believe that there is a good defence against a claim that is presented to him ; but if its recovery would cause insolvency, he should represent the estate insolvent.

■ But after the expiration of the year, the creditors may enforce their claims by suits. And in the case at bar, the creditor commenced his suit after the year, and there was no representation of insolvency until after he had recovered judgment, taken out execution, and made an ineffectual demand of payment on the administrator. There has been, then, an obvious breach by the administrator of the condition of his administration bond. For having had full opportunity to ascertain the situation of the estate, in respect to its solvency, and having had knowledge of the claim of Williams, and having litigated it with him until final judgment, the law will suppose that he has the means in his hands to satisfy it, inasmuch as he had not made any representation to the contrary. If an executor or administrator shall suffer in his property by reason of his neglecting to comply with the reasonable provisions of the law, he must ascribe the loss to his own carelessness. Erving v. Peters, 3 T. R. 689. Platt v. Robins, 1 Johns. Cas. 278.

The case at bar comes within the Rev. Sts. c. 70, § 3 ; viz. “ the bond given by executors or administrators, for the discharge of their trust, may be put in suit by any creditor of the deceased, for his own benefit, when he shall have recovered judgment for his debt against the executors or administrators, and they shall have neglected, upon demand made by the creditor, to pay the same, or to show sufficient goods or estate of the deceased, to be taken in execution for that purpose.” It has been contended for the defendants, that this section applies only to estates which are solvent; whereas, in the present case, the estate is insolvent. But the defendants cam it be permitted *336to say that the estate was insolvent at the time when the judgment was rendered against the administrator. He had then made no representation to that effect. He might have done so ; and if, pending such representation of insolvency, a judgment had been recovered, the amount thereof would have been laid before the commissioners for allowance. But no such proceeding was had ; and it is too late, after judgment against him, for the administrator to make a representation of insolvency so as to prevent the judgment creditor from obtaining the full amount of his judgment.

Judgment for the plaintiff.