I ran across this article this morning. I don't know if this applies to other counties in Florida but as I used to live in Palm Beach it got my attention. As a Realtor I ran across a number of situations where homeowners were simply sitting in their homes, not paying the mortgage and waiting for something to happen. I'm not talking months here but years, in some cases as many as 5. Filing bankruptcy seems to make it worse. It;s tough when you lose your home to foreclosure through no fault of your own, but many of these cases are just people taking advantage.

http://news.yahoo.com/homeowners-steamrolled-florida-courts-clear-090000198.html