It's time for some new thinking. Stretch your definition of "payment" and think of the different ways you interact with this customer. Is she also a friend? A neighbor? Can you think of ways to bargain with her, so that she pays in service? or gives you something that she owns, but does not need at this time. Gardeners have excess veggies; maybe you can bargain for child care? Or maybe she will perm your hair? Involve her in creating the answer; she may know just the way to offer you a substitute, but may be hesitant to bring up the subject. Give her an opening, give her more time, and keep the communication lines open. You want a win/win situation, as we all do. Times are hard; your generosity in this situation may reap a reward in the future.