The A thing I just still can't believe. No idea what to do on it.
What if you called her and asked her about it?
You said in a post that you were assured by her you didn't owe her anything more...so find out why that changed.
And if you agree with her assessment (and take your time on that) tell her that you'll have to establish a payment plan because you cannot give her the money all at once -- then propose a figure to her.
Sage (who is sounding bossy!!!)
Relax. Appreciate. Be calm. Laugh. Enjoy. Be secure. Be loving. Be loved. Don't personalize. Don't ASSume. Accept. Be grateful.