No doubt of insolvency. You have laid down the definition of an insolvent estate. The executor has no choice in such a situation. They owe a fiduciary duty to the estate to act in a responsible, lawful manner. The executor must sell the estate and distribute the proceeds to the creditors in the correct priority, per statute.
This is not a simple matter. You will need an attorney. Paying the attorney is not a problem. They are paid out of the estate and they have a priority over most other creditors. Since you are not going to get anything out of the estate, except the executor's fee, an attorney will at least save you time and frustration. And the attorney costs you nothing, really. Good luck.
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