Thanks for your thoughts.
To answer the question someone mention, yes, I did get a receipt, with my name, phone #, size of quilt, quilting pattern, color of thread, price and due date.
I only have her do the quilting, provide my own batting and backing cut to size (she requests 4" larger all around) and when I get it back I square it up and add the binding.
I'm going to wait a day or so and give her a call again, hopefully all will be resolved. May in Jersey