The government was very active in prosecuting creative deals after the great melt-down.

This is a great move as they have way more experience in investigating and successfully prosecuting these types of crimes.  

When complaints were filed due to major issues raised, some states prosecuted the companies for depriving buyers of ownership rights and outright deeded the houses to buyers (regardless of breach of contract and default on loans), with huge restitutions to be paid to state and end buyers.

All very unethical and sometimes charges are filed just to stop someone from continuing an unethical practice even though the underlying charges are not enough to win at prosecution.

But there will always be that one company that will prosecute you.

Quote from @Jay Hinrichs: Loudoun County Virginia80 acre parcel Entitlement for 30 1 to 1.5 acre estate lots and 40 acre remainder parcel with large million dollar home.Purchase price  3.5 milEM deposits non refundable  50k up front 50k during Entitlement cost ( survey, geo , water , artifacts, Soils Engineer , city fees)  350k Capital partner  ME  provide all the cash up front.  450k to my client who found and prosecuted the platMultiple offers from all the biggest builders in that market  IE Toll  Lennar DR and a few regionals.Closed today with 1.1 million cash profit  PLUS the 40 acres and home value about at least 2 mil free and clear.My fee is double my money so we made 450k today.My client made about 650k in cash and the property  free and clear.. 

And criminals are prosecuted, right? 

It is debt you are obligating yourself to and lenders and the federal government think of it that way.Missing a payment doesn't mess up your credit, but it does mess up your day when you get sued or prosecuted. 

I might have to anti-SLAPP and even sue them back for malicious prosecution or malicious use of process depending on what happens in the future.

@Stephanie Menard, I have been an attorney for over 36 years with about half of that being a prosecuting attorney.