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I'd come back with "Geez, I thought you had dropped off the face of the earth too. Well I can't just up and pay you immediately, I'm so broke. I mean you can't expect me to suddenly find a big ball of dough. How about $50 a month?"
Nobody with any good intention left would turn that down. Then just pay the first month immediately, the second a month later (in ratty-looking cash to make it physically look like a hardship), and then progressively forget until she finds it too much trouble to re-contact you every time for what is diminishing returns, only $50 quickly and then less and less principal each time.
This is the passive-aggressive approach but these people have never had your concerns in mind. In general, my guiding principle in life is "be kind to everyone", but in this case you did that and they only took advantage of you.
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