Action against estate for which letters of administration have not been issued.
Except as provided in subsection 2, no action can be maintained against an estate for which letters of administration have not been issued unless it is commenced within 3 years next after the death of the decedent.
This section does not affect:
Any lien created by a mortgage or deed of trust which is recorded or a security agreement which is filed.
The rights of any person who is in possession of personal property of the estate.