My friend decided to buy my pick up for $2000 in 4 payments. She gave me the first payment of $500 and before she make the second payment she totaled the vehicle. She sent me a copy of the vehicle proof of insurance but she didn't make the premium payment. Now, the debt collection agency is requesting payment of almost $100,000 for damages (freeway was shut down due to hazmat clean up). I don't want this debt on my credit report. Aside from lawyer up, what should I do?