Thank you for your follow up.
Basically, if this life coach decides to file a lawsuit to seek to recover the $2,500 that is owed to her at this time, she would have to file a lawsuit in PA and properly serve you with the summons and complaint from the Small Claims
court and given the fact that this life coach is located in a different state, the cost of pursuing such lawsuit or hiring an attorney for an amount of $2,500 might simply not make much practical sense, as the legal fees might be too high.
The only way that this life coach can garnish your wages through your employer, is if she does sue you and obtains a judgment against you, otherwise it appears to be empty threats and scare tactics on behalf of this life coach.
It might be in everyones best interest for you to negotiate some type of payment plan that you can afford and even though this life coach might be telling you that she only wants a full payment of all the outstanding fees, it is more than likely that once she realizes that you cannot and will not make such full payment right away and that you are not intimidated or scared of her "enforcement threats", she will change her mind and will be happy to accept payments from you.
I wish you the best of luck and please let me know if you have any related follow up questions.