Michigan Foreclosure Defense — Know Your Rights and Redemption Options

Michigan foreclosure is non-judicial — foreclosure by advertisement under MCL 600.3201 et seq. The bank does not sue you in court; it follows a strict published-notice schedule and holds a sheriff's sale. That means no judge reviews whether the bank followed every rule — you have to catch the defects yourself. Michigan's clock is brutal, but you have more time and more leverage than the bank's letter suggests.

The Michigan clock — 3 stages

1. Notice of sale: published once a week for 4 successive weeks and posted on your property within 15 days of the first notice (MCL 600.3208). Wrong publication, wrong posting, or wrong contents = a challenge.
2. The sheriff's sale: the auction, held after the notice period. Usually out of court.
3. Redemption period — your second window: after the sale you generally have 6 months to 1 year to redeem (pay it off and keep the home), running from the sale date (MCL 600.3240). Abandoned property can shorten it. Most homeowners never hear about this window.

What we check for you

• Sale notice defects (MCL 600.3208/3212): publication timing, posting, and required contents. A defect here is leverage to challenge or pause the sale.
• Who actually owns the loan: the foreclosing party must prove an unbroken chain of title and authority. Gaps matter.
• The default notice: sent the right way, on time, with required contents? A defective notice can stop the sale.
• Dual-tracking (RESPA/Reg X): did the bank push the sale while reviewing you for loss mitigation? Federal law prohibits it.

Already sold? You may still have a move

• Redeem during the statutory period (MCL 600.3240): pay off the debt and reclaim your home within the redemption window.
• Set aside the sale: if there was a real defect, Michigan allows a challenge during the redemption period. Under Kim v. JPMorgan Chase, 493 Mich. 98 (2012), the sale is voidable — not automatically void. You must show fraud or irregularity, prejudice, and that you would have been better off without it.

What we do

• Read your notices against Michigan law. We map your notice of sale, proof of publication, and posting against MCL 600.3208 and 600.3212.
• Find the defects. Dual-tracking, chain-of-authority gaps, notice defects — in plain language with the statutes that back them.
• Help you use every window. Self-help drafts you review, sign, and file — before the redemption period closes.

What we will not do

• Charge an advance fee to stop your foreclosure. That is banned, and we do not do it.
• Tell you to stop paying or stop talking to your servicer.
• Promise an outcome. No one honest can guarantee a case result.