coz she doesn't belong to THIRD WORLD, she is from USA which is almost fully integrated. The moment bank will know that her salary is being not received by them they will enquire. They will file case against her and INTERPOL will be involved as any amount more than $50k {not sure} is required for them to get in action.
.
So whenever she will use her CREDIT CARD,passport or SSN whatever within USA or outside USA she will be caught instantly.
.
Banks have recovery agents in many countries who take commission from them on every outstanding amount to be claimed from the debtor. These agencies are very expert in their field too. So don't take this easy my dear :-)