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I'd start making the payments now, your 60 days late and thats going to hurt your credit. If you can get the money out of her great, but in the long run paying off the 2800 bucks will be much cheaper then screwing your credit.
And unless you she decides to pay you back I think your screwed. But maybe you can get the appliances from her, selling them used won't get all your money back, but some is better than none..
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