Thank you, XXXXX XXXXX all your additional information,
The reason I asked if she has anything at all of value is because, while it is true that if she files a Chapter 7 bankruptcy and lists you as a creditor, she can have your debt discharged in bankruptcy, but if you move fast and sue her, get a judgment against her, then levy on any property she has and ask the Sheriff to sell it at Sheriff's sale, you might be able to get most of your money back.
If she is earning $67,000 per year, she probably would have a really difficult time filing a Chapter 7 Bankruptcy and the Bankruptcy Court might not allow her to and give her a choice - either dismiss her Petition in Bankruptcy, or convert it to a Chapter 13 Bankruptcy where all creditors get paid over a period of time according to a Schedule prepared for her by the Trustee in Bankruptcy. She is expected to make monthly payments to all her creditors pursuant to the Schedule prepared for her by the Trustee in Bankruptcy and to which she must absolutely adhere to because if she does not, the Trustee will have the Bankruptcy Judge dismiss even her Chapter 13 Bankruptcy Petition,
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