Basically there is a possibility that the tax foreclosure failed to notify all parties involved, so in order for them to insure it they require a separate judicial case (quiet title) to have a judgement to that effect. 

And, even on those, I've never bothered going after the tenants for the judgements (mostly because I don't believe I'd collect anyway).But there are certain things that I think you just have to eat the expense and headache and that would be one of them.

She is a "post-judgement collection specialist".

Here is what Fannie Mae has to say                                  Foreclosure                         Short SaleTime to buy               Primary 5 Years                   Primary 2 Years                             Investment 7 Years             Investment 3 Years                            FHA 3 Years                    FHA 3 Years but less if current at SSCredit             250 to 300 points                 depends on how many late paymentsLength on Credit    10 years +                     does not report as short sale recovery time         3 years +                       12 to 18 months with lates So basically the wait time is much shorter with a Short Sale, the Credit Impact is less and as mentioned above the deficiency judgement is usually waived with a short sale that is executed correctly, where in a foreclosure they are still on the hook for the deficiency.The exact times and credit scores needed vary on each circumstance and lender, but this is a pretty good general guide.Hope this helps!

Based on his judgement and the video we put in an offer with a contingency for inspection.

Take everything with a grain of salt, and use your own judgement.

My next question is if I don't file a complaint within the 20 days and she applies for a judgement of non pros what is the worst that can happen.  

I would consult an attorney if he has assets that you can seize after a judgement it might be worth your while  but no matter what the law says there is never any guarantees that a judge will rule correctly .

@Henry Lazerow - As much as people don't like to admit it, everyone makes judgements when they meet someone. 

Beyond the fact that sometimes the "right" forum is a judgement call anyway.