Can you clarify what you're trying to cancel? It sounds like you signed up w her to book your trip including ADRs, events, etc. Now you want to cancel the trip, pay nothing, yet keep
most of what's valueable that she actually did for you? i.e. the get hard-to-acquire ADRs. If you're not going to pay her for her services rendered, what's the deal? You just cancel. You'll lose your ADRs of course, but they were part of a package you booked.
Any TA is going to do that.
Otherwise standard practice would be:
* Enlist TA
* Have TA acquire highly valueable ADRs
* Cancel TA
* Keep the ADRs
* Pay nothing
I must be missing something critical here.
Or did *you* book these ADRs separately? That would be a totally different story! But if the TA booked them they are property of the TA until you pay her whatever you agreed.
Or if you just want to cancel everything and you're ok w losing the ADRs, of course you can do that. Outside 45 days you won't have a Disney fee, tho this TA might have a cancellation fee of their own. Even if you didn't sign anything, surely if they attempt to enforce an overall cancellation fee, then it will clearly say on some promotional flyer they gave you that a cancellation fee will apply.
And if you haven't actually paid anything, then fee or not, you can probly just walk away and there is nothing she can do.