I agree, if you help her too much you are enabling her. Get her car back to her - and that's about all I'd do. Ask her why she didn't tell you this problem sooner? Sometimes people think if they ignore the problem it doesn't exist.
I think she has some deeper emotional issues that she is not dealing with. People who are constantly in financial crisis have something else outside of themselves to keep their focus on. I bet even if you helped her with enough money to take care of her bills, etc. She would find some way to stay in crisis. Hoarding is also another red flag. I look at it this way, a person's outer environment reflects their inner environment. If the house is full of clutter, well you can guess what shape her mind is in.
Of course, some people make such little money that they can never catch up on bills ( working poor ) but the issues you mentioned with the clutter tell me she's got more going on than just handling money.
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