Once upon a time a homeowner was sued for foreclosure on his home.  However, the plaintiff could not prove that he was the right party to sue for foreclosure—with purchases of the home loan by one company after another—and so the Judge dismissed the case.

Twice upon a time the same homeowner was sued for foreclosure on the same property, but this case was filed by a new plaintiff.  Plaintiff #2 said he bought the loan and offered a dismissal of the case if the homeowner would give him the note.  Plaintiff #2 did not know he was already dead.

Five years after the mortgage debt is matured, that debt is no longer eligible for a claim according to the Statute of Limitations 

In the first foreclosure case, the debt was accelerated, and therefore matured.  By the time Plaintiff #2 came forward to present his suit, the five-year Statute of Limitations had already run.  Thus the second foreclosure complaint was a burial suit, not eligible to be exhumed.

The purpose of the Statute of Limitations is to clean things up.  If the plaintiff cannot get the foreclosure done in five years, something is wrong with his case.