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. 

It seems I may be protected from prosecution...

In other words, if there are attorneys who can afford to specialize in just prosecuting dog owners for dog bites - then good luck defending against them.What I learned when I was studying law, was that if there is any history whatsoever that a dog has ever bitten someone or a dog before, then no matter the circumstances, if they bite again - they are automatically guilty.And, even as a dog lover, you and I both know that some breeds are more likely to bite than others.  

@James Wise it was always illegal, it's the DAs refusal to prosecute and the LE refusal to enforce is what brough this retail apocalypse on CA cities... 

If the transaction has "hair", the feds care and financial crimes can be prosecuted for up to 10 years after the transaction.