My ex has my iPhone 4. I loaned it to her, now she's keeping it and has her pass code on the lock screen. I froze the acct with Bell, but want to remote wipe the phone. Not sure if she has iCloud on but she might have Find My IPhone on. Advice to wipe?

Help... My ex has my iPhone 4 that I lent her. I kept the phone on my Cell phone service provider because of her bad credit. She turned out to be quite the lunatic, and it took the police to get her out of my home. What a nightmare. She still has my phone with her own pass code on the lock screen. I froze the service provider acct, so she can't call with it or use data unless she gets her own account. However she can still access many of my contacts I left on there. She also gets apps that I download onto my iPhone 5. She can't download apps herself because she has no apple account. Mine is still on there. She doesn't know my password. She does still get copies of my apps though. I tried to stop that when we were still together in a relationship but didn't succeed. Do I need to creat a new apple account, or just change the account name to stop her from getting the apps? Can I remote wipe the phone if the iCloud functions are set to off on that phone, but maybe the Find My IPhone is still turned on? She has mental disorders and a mean streak. Does anyone have advice or ideas???

Apparently "find my iPhone" won't work unless I restart her cell service, which I can easily do. I think she might  need her phone powered on too for me to trace it and wipe it. She forgot her charger here and has no service on it, so won't have it on much. Maybe I can change my Apple ID altogether? As long as the new Apple ID doesn't somehow automatically go to her phone.

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