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Hello, thank you for the question.
You can't put it in for any collection until you have a court order that she pay you. You need that order first, before any garnishment or enforcement.
You can take her to Small Claims Court, that's easy to do. You can find the forms online easily or go to your nearest court to ask where Small Claims is. You don't need a lawyer for it, and a cancelled cheque that says "loan" on it is certainly good evidence.
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