Your question is much too broad to be answered on WikiAnswers. You should discuss your case with a local attorney.
Perhaps, it depends upon the exact nature of the "complaints" and what if any damage such allegations caused.
Yes, if you defaulted on the loan.
Yes.
You can make a false account. However this is completely against facebook TOS. Do not be suprised if they ban you. Key things they look for are No profile picture, an obvious name, too many friends,...