Borrower fighting foreclosure: what to expect

[Daniel E.]

At approximately 1 week before foreclosure judgment, borrower entered a 30 day extension to answer complaint. 

My question is, what is the typical route here? My guess is that 90% of the time this is just a stalling tactic, but would like to hear the experience of others.

Facts:

Ohio

Property worth $100k

UPB: $60k

Payoff: $99k

Borrower discharged from Chapter 7

Borrower can afford $400/month, but property taxes are delinquent $12,000. They want to be paid over max 24 months. They were starting their foreclosure, but I asked them to hold off.

Last paid date of December 2009. We are okay based on the statue of limitations laws in Ohio.

Debt has been sold multiple times, but all paperwork is in line, including original note and mortgage.

Borrower has refused a $10,000 cash for keys offer.

I was very surprised that they want to contest. Property taxes will foreclose anyways.

What should I expect? Any advice is greatly appreciated.

@chris seveney