<prompt> Human: Friend rented a car under my cc information. She wanted to drive so we switched spots and she crashed and totaled the car. Her insurance covered all but 10,000. Rental car company tells me to pay 10,000 which I dont have. Deadline to pay passes and I dont pay so they forward my bill to a 3rd party debt collector. What should I do?  <response>: Most CC companies will extend you collision coverage if you book on your CC. Did you check that option out? 