Just kiss that money good bye. She's talking out her a## with what she said to you, she's just trying to scare you into backing off like you said. In the future ask for a deposit before care starts or payment in advance. I have harrassed people by continually calling them and asking for payment, but I live in a small town and they just wanted to be left alone. Once it worked, another time it did not so I sold the items left behind in a yard sale You win some, you lose some, and then you learn how to do things better in the future. (advance pay)