Employment Law Questions? Ask an Employment Lawyer.
She owes you the money, there is no question there. So I would say that the chances of you getting a judgment in your favor are very good, nearing 100% barring something you neglected to mention, like bankruptcy. Whether you will actually be able to collect the judgment... that is the question.
If the agency was a legal entity like a corporation or LLC, you might have to go through an extra step to get a judgment. If the agency was really just a front for a 1 person operation, it sounds like you will probably be able to "pierce the veil" and get a judgment directly against the woman anyway (based on her lackadaisical treatment of the issue, it does not seem likely that she did everything that would be required to keep her self separate from her corporate entity). If the agency was just a sole proprietorship, just sue her directly and in the name of the agency.
You can do all of this in small claims court. It is set up for laypersons to navigate and should be easy enough for you to do.
If you get a judgment and she still won't pay, that is where you have to seek an attachment order to her bank account or a garnishment order of wages.
I just meant that you would have to take the additional legal step of piercing the corporate veil. if she was running it out of her home, that would be pretty easy to do. That fact alone would probably be enough.
Since she is not a member of any professional board yet, I don't think you could report her. You can't make a wage claim to the department of labor, since you were not an employee. So it is a contract issue, handled in court.