Right, Imagine that we go to bank to withdraw money and they say that our money has been gobbled up by defaulters and we have sued them so why don't you sue us and we will both win together. also why don't you & defaulter settle outside amicably and we will write off accounts of both of you. So bank will make some profit while you will get your money from teh defaulter (BTW defaulter is a henchman of a poilitician and u will get your money if you survive the gunfire)