Is this man considered a fraudster and indebted among those eligible for Zakat, and is it permissible to disburse Zakat on his behalf to his creditor without his permission?

It is not possible to definitively determine that the man is eligible for zakat based solely on the information provided, as it requires verifying whether the debts are truly incumbent upon him and if he is unable to repay them. If it is established that the debts are incumbent upon him and he is unable to repay them, it is not permissible to pay zakat to the creditors without the debtor's permission. If zakat is disbursed without his permission, it does not absolve the zakat payer, nor does it cancel the debt for the debtor except for the amount paid. However, if the owners of the funds are poor or needy, it is permissible to pay them zakat from the share allocated for the poor and needy, and not from the share for those in debt (al-gharimin) on behalf of the speculator (al-mudarib).