Legal Question in Credit and Debt Law in Massachusetts

The always problem with writing for a friend is that the facts are second hand at best. We call it inadmissible hearsay. What does "money disappeared from her account to a collection agency" even mean? Collection agencies have no rights to take money from anyone's bank account without permission. And if your friend knew it went to an agency, then saying the money just disappeared is not accurate.

The separation, estrangement, and restraining order between your friend and her previous someone-she-had-a-relationship-with is all limited to your friend and the other person. The creditor car lender is not affected by the separation, estrangement, or restraining order. Whatever your friend signed with the car lender is still enforceable, although perhaps subject to a statute of limitations.

Neither you nor I know if what your friend signed authorized any "disappearing" payments to the car lender (separate from the collection agency).

Your friend always has recourse against the someone-she-had-a-relationship-with. There aren't enough facts to determine if your friend has recourse against anyone else.