This may sound harsh but no way I would pay someone and end up finishing the work myself. In my opinion a spool of thread does not compensate for her mistake: she should finish the work at HER expense incl. postage fees ,or give you a considerable discount (as to assume you'll have to have s-o else do her work for her; it's none of her business whether you do or not). You're paying for finished quilting, not partly done.