Nonsense: the Chief Administrative Judge of Miami-Dade County says there hasn't been a delay in her courtroom for two years. Walk into Uniform Motion Conference -- short morning hearings -- in any FL courtroom and you'll hear bank lawyers arguing to relentlessly delay says with nobody, except the Judge, arguing against them. There is a law in FL that if lenders agree to use CA-like foreclosure laws they can get a final judgment in 90-days max; it's never used.
These are probably foreclosures where past-due principal, interest, and fees were recapitalized: added to the top of a mortgage. Foreclose forces write-downs, leaving banks with worthless houses to maintain.
It's not borrowers delaying evict: it's banks delaying insolvency.