SWATing is actually the absolute cheapest option - if you want to ruin someone's week from across the nation (or across the ocean), your best bet is a burner ph

SWATing is actually the absolute cheapest option - if you want to ruin someone's week from across the nation (or across the ocean), your best bet is a burner phone calling the person's local 911 with a threat that warrants a SWAT team response (I am of course not advocating for anyone to do this, just explaining the process malicious actors currently use to trigger these). Outside of that, you'd need to pay a lot of money for something like a PI or obfuscated malware to steal PII or credentials from the victim.