I never saw a client use payday loans where it didn't end badly. Payday loan companies contact my tax office a few times each year wanting me to send client their way. I have never hated a client that much.
I also have a client that buys charged off loans from payday loan companies and credit cards. They try to collect where the payday loan company cound not. Not pretty. Not pretty at all. They have lawyers that know how to extract money. They make people's lives a living hell.