I know you don't want to take Chloe back to the groomers until she is more socialized and not so afraid ... but maybe the groomers can help her get over her fear. Maybe you should take her there once every 2 weeks to get her nails clipped and once a month just for a bath -- that way she gets used to being handled by other people. That is what my vet recommended when Codie went through seperation anxiety. I use to bring him to the groomers every 2 weeks to get his nails clipped and once a month for regular grooming and in the beginning he was a nervous wreck but now he's ok.
Do you have anyone with friendly small dogs that lives close to you?? I'm sure Chloe would love some more friends!
I wish you all the best with this and I just know it will work out for you and Chloe!