The thing is he didn't defraud the bank, so there's no criminal act there, they can sue him in civil court, but thats just gonna fuck up his credit. Owing money to the government is a different issue, and not paying child support is a criminal matter--you can go to jail for it. So from your dads perspective, and I'm gonna go ahead and assume he already has the lowest credit score possible, he just got out of his child support debt. Like I said before, its the bank that really got fucker here.