thanks for all the suggestions and offers for help.
I think I will try the installment payment plan thingy, that sounds good to me.
I have lost money in the past to other "friends" most I was expecting it already. But was rather dissappointed that she didnt pay me back from her character I expected better.
I paid some bills for her so she didnt get hit by late charges mainly through my own initiative so it would save her money in the long run i.e she didnt really ask for money/help-ish. but she did say she would pay me back and gave a date that was acceptable to me then.
I dont really know how hard-up she is now, I find the definition of being broke is different for errr younger people (in my experience, its just means they had to moderately cut down on their fun activities as opposed to making some real hard sacrifices and decisions)
No offence "younger" people as what I mentioned above only applys to some people whom I know and what I have experienced.
Now time to go get money from the other friends who owe me money
I hate chasing up debts, I kinda expect people to offer it back.