The more you allow care the farther you are in the hole. If she can't pay upfront, how will she be able to catch up.
How would I handle this? I would refuse care. Quite honestly, you probably won't see the money lost. She doesn't need you, she's lost her job. She can't afford to pay you. So, you either cut your losses and move on, or continue to offer free services and hope she doesn't just not show up one day.
She sounds like she's going to bail on you. Cut your losses and move on.

































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