Man, this is a really tough question. Title is supposed to deliver the property to you free of any encumbrances and leins, but banks tend to act like little fiefdoms with little or no concern for commen practice and local ordinances. I wish I had a good answer for you. I will be watching as well to see what our community of agents comes up with.
If worse comes to worse, you could just walk away, let it foreclose, and then get it in foreclosure.
I wish I could be of more help.