So you are in a difficult situation for many reasons.
Aside from the fact that this is your own daughter what is difficult here is you lost the right to sue her though you may be able to regain that right.
The limitation period for suing in Ontario is 2 years. That means you had to sue her within 2 years of her getting that tax refund.
The limitation period can be restarted if one of two things happens. If you can get her to make a partial payment towards the debt the limitation period starts over. So even if she pays a small amount towards the debt that will do that trick.
The second way is to get her to acknowledge the debt in writing.
So if you email her and ask about starting to pay the loan off and if she says I cannot now but will later that will restart the limitation period all over again.
Then you could sue her in Small Claims Court and could self-represent and if it gets that far and you find you need some help as you go through the process you can always post on this site again and I can assist you further.
Does that help as a starting point?
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