I have a number of full sized (700 c ) that have the dreaded toelap. This only occurs when I am making a pretty tight turn, so I quit pedaling for a second while I negotiate the turn, keeping my feet so neither is in a 3 O'clock or 9:00 0'clock position. I've probably ridden tens of thousands of miles on these bikes and being careful on sharp turns is automatic. Besides buying new brakes for 24 inch wheels you may have other problems because your pedal will be an inch closer to the ground. 16 and 20 inch wheel folders don't have this problem. BTW most turns can be accomplished by shifting body weight and only a slight change of handlebar position. What bikes have this issue? for me it is a Fuji track bike, a Surly Steamroller and a Holdsworth Special, all of which are bikes I found to be well designed and which work well. Since you are not a tall person, you may find it hard to get a bike specifically designed for your height, although most 20 and 16 inch folders should be great.