Repaying the Debt

Nuala Bennett is by herself. Minimum wage job with maximum payments to her name. Hospital bills for a special needs brother, her own apartment bills, and slowly repaying her late father's debts with a not so good crowd. And a mother who had taken her life years before.
What happens when a check start shows up in her name for her use? She only has to repay if she checks it in. So she has a choice-she chooses to cash in.
What happens when the giver wishes for repayment? But not in money...?