Say the bank files a police report. I defend the accused. How do you prove the accused actually vandalized the home? coulda been anyone. A burglar. A squatter. A visitor to the home whilst the former homeowner ownsed. without a confession, there is no percipient witness to the vandalism. You can file all the polcie reports you want, but the fact that someone owned a house, and that the house was vandalized on or about the time of ownership, is probably insufficent to prove beyond a reaosnable doubt that the homeowner vandalized the home. and who exactly do you charge? Do you charge mom, dad, the three teenage kids. What about the five year old, do you charge her as well? Send her to juvenile hall. How will you be able to tell which spouse did the damage? And how do you even know the time the alleged vandalism took place. Maybe the house was like that when the house was purchased. or maybe it happened a long time ago and has no connection to the foreclosure. people are allowed tolive in junky houses… I’m sure there are many more defenses, but clearly, this is not an easy case to prove without a confesion. What you need to do is have the bank call the people up, say, we know what you did, and, if legal, record the homeowner’s confession. then maybe you have a case…im not giving actual legal advice, don’t take this and follow it, i’m just throwing food for thought out there…