I'm not a licensed contractor, just a hobbyist working with wood. Sounds like small claims court, she doesn't deny owing me the money, she just doesn't have the money. Her memory might change in front of the Judge though. I've offered to have her send me a hundred bucks a month, but she always has an excuse. Talk about no good deed goes unpunished. I did it for 50% less than a licensed contractor would have charged her, and she was thrilled with the final product.