Send a written demand for payment. If she refuses to pay or engage in some repayment schedule advise that the next step is small claims court. Then, if needed, make good on your threat and sue her in small claims court.
A loan does not necessarily require a writing.
Please note that this answer is for informational purposes only and should not be construed as legal advice or an offer to form an attorney-client relationship. It is always advisable to seek the help of an attorney licensed in your state before proceeding on any legal matter. Please feel free to contact me with the information listed below. Good luck!
Napleton Law, Ltd.
A demand letter from a lawyer is usually a cost-effective option. Ultimately you can sue in small claims court if she refuses to pay.
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