I am a bit confused. If you are so distressed by the prospect of working with her, don't work with her. You are paying and it is entirely voluntary. I understand being apprehensive or anxious, but if you are having such an extreme emotional response perhaps you need to listen to your self and give her the big old swerve. Or maybe you are responding to her as a trigger when your core feeling is actually one of natural apprehension. Either way, you have agency and can make your choices.