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I am Loren, a licensed attorney for over 30 yrs. Thank you for your patience as I review the question. I will post my response shortly.
The loan is an asset of the estate and passes to the heirs who may enforce collection.
The estate would have to go through probate for the obligation to pass from the estate to the heirs.
In other words, until a representative is appointed for the estate, you have no one to make payments to.
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