[Kaneman]

I would assume someone who bulldozes their house down plans to go into hiding afterward....so yea, they could TRY to sue him, but its not that easy.

If you can't find someone you can not sue them. Eventually you may be able to "serve by publication", but it won't do you any good to get a lawsuit and no defendant. I went through this many times trying to sue people for $500,000-$1,000,000 cars. *cough* Floyd Mayweather, Bernie Madolf, Farzan Farmani, Julius Irving, and the like *cough*

Its much, much easier than you would think to fuck the bank out of huge sums of money, and difficult to find people without the help of law enforcement...which you usually won't get unless they're already wanted for something else. There is an entire subculture of people who devote themselves to getting away with pulling one over on the banks.