My story is similar to that of Cameron Teague. A friend owed me money & was refusing to repay it. We still did activities together, so I decided to bide my time.
After a few weeks, I asked to borrow some equipment. As this was for a shared activity, she lent it to me.

Weeks later she asked for her equipment because she needed it. I said, ““certainly. You can have it for $200.” She was s hockey & asked why. I told her I’d return it when she repaid the money she borrowed. I got back the $200.

So be nice. Wait. Then borrow something & then exchange it for your stuff.