It sounds like you're facing a complex situation involving multiple aspects of debt and liability. Given your lack of insurance at the time of the accident and the subsequent legal and financial complications, it might be beneficial to consult with a legal professional who specializes in debt and personal injury cases. They can help you understand your rights and obligations, particularly regarding the validity of the debt collection efforts and potential legal actions. Additionally, they can advise you on whether bankruptcy might be a viable option to address your financial concerns and get a fresh start.