I have written about it, but there is an article that succinctly makes the point. See http://www.jdsupra.com/legalnews/the-third-district-weighs-in-on-the-appl-27045/
My opinion is simple — keep things the way they were before this nonsense started. To lean toward the banks at this point adds insult to injury to the judicial system and the borrowers. Homeowners have been systematically steam-rolled on the premise that the need to get this behind us was paramount even over due process rights. So now courts are suggesting that the losing bank can still file on the same loan that was declared in default as to the entire balance due.
Hopefully the Florida Supreme Court will at least be consistent — opting for finality rather than allowing multiple suits regarding the same subject matter.