Thank you for the additional information. If she has failed to comply with the terms and conditions of the loan
agreement, she would be in breach. With that being said, you should try and demand payment, in writing, advising that if she fails to become current on the amount owed, you would be forced to sue her and go after her for fees, costs and interest which is owed, on top of the balance. Since the balance owed is $4,000, this is a matter for small claims
court. If you have the agreement in writing, signed and notarized by her, she is going to have to raise some legal defense, to prevent a judgment from being entered against her. If you obtain the judgment and she still does not pay, you could then try and garnish her wages and go after any other assets which she may have, to satisfy it.
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