Perhaps we should let them know they're too predictable! (Ross Anderson rightly ranted on the topic somewhere.)

Unfortunately, my friend is not able to enter the said country where he once was a resident anymore. Without spending tens of thousands dollars without clear promise of success it seems impossible to resolve this. Perhaps after some long time the debt to bank is cleared. In reality, it is actually the bank that should be sued for all this – they haven’t checked identity properly before giving out loans worth of tens of thousands $. It is not impossible that the bank employee is part of this. I am talking about the state of Israel, btw.

The summary is: fraudster with fake ID featuring real data of my friend but fake photo managed to get loans and credit cards from several banks/companies. Since my friend lef the country, he was not getting any of the post. After years these orgs opened collection cases against my friend. Since he was not in the country, the courts have judged him as debt-evader and allowed collection agency to act against him.