Scott Duncan
Three words: SECURITY FOR COSTS
This is the best part about defending. Most cases die right there. If your friend has PROOF (Signed discharge is proof), demand security for costs. This means they must deposit to the court, a sum that you determine to be "reasonable" to cover costs. It's almost always granted. (You won't get an eleventy billion dollar security order)
The problem here, is that it's a bank. They have money to burn for this stuff. They'll just pay it.