Just making sure I have th facts straight:
- You purchased at least two mature, breeder-sized female snakes (not cheap even for normals) which your coworker was supposed to be buying from you.
- To date she's only paid half of the purchase price plus some interest because you had to take out a loan to buy the snakes.
- Coworker has not contributed to their upkeep (feeders, substrate, etc) or helped with their care.
- Female snakes have been bred to your male and at least one is gravid.
Without a contract, the cleanest way I can see for you to get out of this is for you to pay her back every penny of what she has paid you and the snakes are yours. She could sue, but it would most likely be in small claims court and she would have to prove damages. Since she isn't out any money there's nothing for her to "win".
To start a paper trail I would send an email stating that you bought the snakes nine months ago, payments from her have been sporadic, she still owes $X, and if you don't receive the balance by Y date you will be reimbursing her and keeping the snakes. If/when you do reimburse her, use a cashier's check and keep the receipt (it will have her name on it) so she can't claim she wasn't paid. Both the email and cashier's check are to cover yourself if she files a lawsuit.
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