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The banks are often slow or unwilling to put a foreclosure on their books - therefore, some people in foreclosure wind up spending years in an upside-down property without making payments.
The question of how long it takes a person who walks away from a house (aka: 'mortgage') to get back on track varies. For one thing, many states are deficiency judgment states - meaning the bank can still come back to the owner for the deficiency between what the mortgage holder owned and what the bank sold the property for. Generally speaking, my impression is that it will take a person 7-10 years from a foreclosure to repair their credit but, again, this is only a generality.
Start with the deed registry. Every county/state has one. Search for thier name. See if it has been foreclosed. Might not be in thier name anymore.
For Maryland here is the statewide property database. You can look it up by street address and see (usually) the last three owners and how it was transferred
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