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If she won't pay you voluntarily, file suit against her. As long as it's not a big amount of money, you should be able to do this in small claims
court without the need for a lawyer. Filing the suit will you the collection options and leverage you need to collect the debt owed you. That's because once the suit is filed and a judgment awarded, you become a judgment creditor
, and if she doesn’t then pay the judgment, you can have the sheriff serve a summons on her for a debtor examination. That forces her to meet you in court again and answer questions under oath about her assets. After that information is obtained, you have the power to garnish wages (unless in PA, NC, SC, or TX which do not allow garnishment in these cases), attach bank accounts, have the sheriff seize other personal property, and/or place liens on any non-homestead property she owns to satisfy the judgment. In my experience, simply filing the suit is typically all you need to do to resolve this outside of court because most of the time, once served with a summons she is being sued, she will settle this rather than defending a suit she can't win.
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