Retirees Neil and Marilyn Strawbridge haven't made a mortgage payment so far this year, and yet Bank of America has not sent them even a foreclosure notice. With foreclosures taking an average of 21 months to get through the court system in Florida — longer than in almost any other state — the couple could presumably continue forgoing payments and still stay for years in the three-bedroom, waterfront home with pool that they bought a quarter century ago.