Private money borrower always pays interest payment late

[Frank Y.]

Hi, I have a private money borrower who always pay interest payment late. Every month I have to email her and text message her about the payment. She is always late. Another thing bothers me is that the home owner Insurance has been canceled three times due to her “no payment”. One of her checks was returned due to no sufficient fund at her account. What shall I do with this borrower? Can I foreclose her? Any suggestions will be appreciated. Thanks.