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If they have insurance it can still be worth it depending on whether the transgressions were substantial enough to warrant a court to award a decent level of legal fees. On the other hand if they have some level of assets and no insurance, you can sometimes obtain a default judgement because...

Although often not worth the expense in these cases, in your particular case it might be possible to go after the vendor finance agent or their insurance company, in which case the legal fees can be covered. When you say Vendor Finance Agent, what sort of agent where they? Did they run through...