You won't wipe anything by trying too many times, but it will stop your attempts for 30 seconds.
Samsung uses the Android operating system by Google and normally you would need to set up a Google account to download apps etc. If you could find her Gmail address that would be a start. - - - - @gmail.com
You would still need her Samsung account for their location service.
There is a Google remote lock, locate and erase service, and Samsung and Anti Virus programmes have their own version with varying features. I do know that Samsung have Google's ADM installed by default, as well as their own system which varies by country. It is possible the lady switched off one, but let's assume the Google ADM is enabled. The phone would need to be on and connected to data, either mobile or wifi. With access you could override the existing lock with a new lock and pin.
Yes you could ask Samsung Customer service for advice, as well as Google.
https://forums.androidcentral.com/e....samsung.com%2Fus%2Fsupport%2F&token=4U9Toax3 https://forums.androidcentral.com/e....samsung.com%2Fuk%2Fsupport%2F&token=pob9ln7C
I am hoping someone with more direct experience or knowledge will chip in. If this gets overlooked could you please ask on another of Android Central's forums.
Android Central Community - 'General help and How To' , and also 'Introductions' are monitored by clever people.
ADDED : sorry for the constant editing. I have another Samsung model. You can enter more than 4 digits, and of course you can try 0000 or 1234 etc. If it was a password rafher than a code you might have better luck with a favourite name etc.
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