I beat her at level 14. Just make sure you have a Persona that has strong/null against fire. If you don't, fuse!
There's also a mid-boss somewhere around there. It can be tough since he can pretty much kill you in one hit. I recommend 10+ for that.
In other news, you can visit Persona 4's town in P3P.
http://www.siliconera.com/2009/10/13/visit-persona-4s-town-in-persona-3-portable/









