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#1. how the heck did she get away with not creating your site for 2 years, and why would she bother putting something together for you finally after all this time? (how did you get her to actually do it?)
i hope you weren't paying for a site design, since all she apparently did was provide you with a XOOPS installation + a downloaded theme (that's how it sounds from what you described).
#2. if you need help, i'll attempt to provide assistance for free, cus i hate to hear about someone getting ripped off like that
#3. if you paid for the hosting space yourself, then just change the passwords to the account. otherwise, do like the guys here said, get your own hosting account, and have your data transferred over (also, if you can login to your space via FTP, i would suggest downloading your files to back them up safely. also find out where your MySQL database is stored, it has your XOOPS installation information, and you need to back that up as well)