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Why not ring her, tell her that it will cost $100 to claim the phone on insurance so you will split the difference and give her $50 if she meets you at xxxx at 10 am tomorrow. Then arrange for the police to be there after the formal theft complaint has been made to them.

Some people go through life generating these dramas for themselves. Probably not the 1st time she's been assaulted by a boyfriend and it wont be the last. The phone was a nice bonus for her . These are the sort of people who make horror stories when they are tenants. Take some comfort from...