You can go into a Walmart, grocery store, etc. and buy refill cards for most cell phone carriers. She probably operates in the cash and sexual bartering world. I agree with you Willie, she is probably an off-the-books kind of person.

The real mystery is the car, with the insurance and license. Those have to be renewed every year and I guess she is probably a monthly car insurance payer, no Collision and Comprehensive, minimum liability. What address does the license renewal go to?