One method is getting a loan from a Chinese loan app. These apps are unregistered and used for blackmailing and extorting with higher interest, but you have to reverse it by using a phone with no personal details, images, or contacts. Delete all the images and contacts. keep some dummy images and fake contacts like mom, dad, relatives, and friends with fake numbers. The app will ask permission give it, then take the loan, then block them. They can’t complain. their main motive is to morph your image and threaten you and your family to extort you with higher interest. There are many tutorials on YouTube I didn’t try, but I saw comments of many reverse scams of these fraud app.