Tell her to contact the Attorney General's office in her state. They deal with consumer fraud issues.  She can file a complaint with them, and then tell the homeopath she has done so and that she will take further action if she continues to harass her.
 
If the homeopath does contact the credit agencies, your client has the right to send the credit agencies a letter explaining the facts and have it attached to her credit reports.
 
Michelle
 
In a message dated 11/11/2006 12:59:06 A.M. Eastern Standard Time, [EMAIL PROTECTED] writes:
The homeopath is question is now threatening to turn this client in
to a collection agency!!!
Kelly
 

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