For all intents and purposes with respect to the real estate matter you have written about, a declaratory judgment with respect to a quiet title action absorbs the quiet title claim where title is determined to be held in someone's name by the court and the court then "declares a judgment" as a result.In your matter, the lender would probably file suit to quiet title to the parcel you have in your name where the lender wants title and you would cross complain for some determination that you are entitled for some declaration by the court that you are entitled to some specific relief concerning the parcel.I suspect that the attorney you spoke with about your matter simply is of the opinion that the longer the dispute over the property drags out, the better it will be for you.