She has been affected by the downturn in business? How do you think getting stiffed for over $10,000 has affected ME?  I also know for a fact that her main vendor pays her every 2 weeks. She, in turn, has not passed that along to the people who lay out hundreds of dollars in copy costs - not to mention time put in to do the work. You are a much kinder & bigger person than me - I wish her to get what she deserves. There's no time limit on karma.