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Good morning. I am Loren, a licensed attorney, and I look forward to assisting you.
Your only real option is to sue her in small claims court. Even if she did not sign anything acknowledging the loan you can still prove there was an enforceable agreement to repay your loan to her. That can be videnced by her presenting you a statement to pay $100 per month.
With out a written security agreement you have no legsl right to hold her possessions as collateral, but once you get a judgment you can attach those items by filing the appropriate paperwork with the court. Then the sheriff will seize them and auction them off to pay your judgment. Likewise, if that is not sufficient, you will be able to garnish her wages and bank accounts.
The proper venue is the small claims court in the county where she resides. Small claims court is designed to be user friendly so that you can present a claim without an attorney. Also, it moves much more quickly than regular court. The clerk of the court ill have all the forms you need. They are fairly simple to fill out and file.
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