First I would like to warn you that buying an account is discouraged. You are buying the rank which was supposed to be earned by the member. More importantly you are also buying the trust that the account has gained - which can lead to the buyer scamming others.

If the account has a defaulted loan then it needs to be paid back or settled with the lender - in order to get negative trust ratings removed.

Like I said, yes.

I am not sure if authorities are going to get involved but if locally crypto is well accepted then possibly yes if the lender has sued the borrower in case they have personal indetification details. More over in such case the new owner may want to repay the loan - which is going to end up in a messy situation because the original owner has run away.

No.