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Would direct payday loan lenders contact a widow to collect on debt the deceased spouse accrued with a payday loan? It is definitely a possibility. There are many creditors who send collectors after widows in their time of mourning. It is a very predatory approach to debt collecting which keeps the payday loan lender in a crowd of many. Just like you might find payday loan lenders who will forgive a debt when the customer dies, you will find others who play by the rules of Fair Debt Collection Practices.