If you live anywhere across Oakland County — including Pontiac, Troy, Southfield, or Royal Oak — and have received a foreclosure notice or sheriff-sale notice, acting early matters. Michigan allows both judicial and non-judicial foreclosure, and many foreclosures move through a non-judicial sale by advertisement with strict notice deadlines. We help Oakland County homeowners organize what they need to review and prepare.
Strict 4-week publication and posting rules.
Sheriff-sale and Circuit Court deadlines matter.
Oakland County Circuit Court in Pontiac.
6-month redemption for most residential properties.
Tell us about your situation and we'll reach out to discuss how we can help you prepare around your Oakland County situation.
Michigan allows both judicial and non-judicial foreclosure. Many Oakland County foreclosures move through a non-judicial foreclosure by advertisement with strict publication and posting deadlines — and a sheriff sale that can follow quickly. Acting promptly preserves the most options.
When a mortgage defaults, the lender sends a notice of default and Michigan requires a notice of the right to cure. Reviewing this early can reveal issues worth raising before a foreclosure begins.
In a foreclosure by advertisement, notice is published for 4 consecutive weeks and posted on the property, with the sale at least 28 days after first publication. These notice requirements matter — and defects can be grounds to challenge the sale.
If you receive a sheriff-sale notice or court papers, prompt attention is key. Michigan provides a 6-month statutory redemption period after sale for most residential properties, but acting early is still important.
The notice and sale deadlines move quickly. Acting promptly — before a sheriff sale — can make a real difference in the options available to you.
Michigan allows both judicial and non-judicial foreclosure. Many foreclosures proceed by advertisement under a power of sale without court involvement. Below is how the process generally works.
Notice of Default
The lender sends a notice of default. Michigan requires a notice of the right to cure. The lender may then begin foreclosure by advertisement.
Notice of Sale
In a foreclosure by advertisement, notice is published for 4 consecutive weeks and posted on the property. The sale must be at least 28 days after first publication.
Circuit Court Challenge
Because a non-judicial foreclosure does not begin in court, a homeowner who wants to challenge it typically files a civil lawsuit in Circuit Court seeking a temporary restraining order or injunction to stop the sheriff sale.
Sheriff Sale & Redemption
The property is sold at a sheriff sale. Michigan provides a 6-month redemption period for most residential properties (up to 12 months in some cases).
Michigan's 6-month redemption is a key protection (up to 12 months in some cases). The non-judicial process moves quickly — prompt action before the sheriff sale is essential.
Standing Challenge
The foreclosing party must prove authority and the chain of assignment. Issues can be raised in a Circuit Court civil action.
Notice by Advertisement
Michigan requires strict publication and posting requirements. Defects in notice can be grounds to challenge the sale.
Redemption Period
Michigan's substantial 6/12-month redemption period provides homeowners time to redeem after a sheriff sale.
Deficiency Judgments
Michigan allows deficiency judgments but has specific requirements, and fair-market-value considerations may apply.
Judicial Path (if applies)
In a judicial foreclosure, the lender files a Complaint in Circuit Court and you may need to respond. This is distinct from the ordinary non-judicial path — it involves a summons or complaint rather than only recorded notices.
Foreclosure alternatives may be available, including loss mitigation, loan modification, reinstatement, repayment, or workout arrangements, where the circumstances support them. We review these options with you — we do not guarantee outcomes.
We help homeowners throughout Oakland County — including Pontiac, Troy, Southfield, and Royal Oak — organize the documents and correspondence needed to act before a sheriff sale or in a Circuit Court matter.
Oakland County Circuit Court
1200 N Telegraph Rd, Pontiac, MI 48341
Phone
(248) 858-0300
Hours
Mon-Fri 8AM-4:30PM
Process / Filing Marker
Judicial & Non-Judicial · Sheriff Sale
This is the Oakland County court/local-government record for civil-claim and filing context. It is not a verified sheriff-sale venue location.
Oakland County assistance covers homeowners across the county, including Pontiac, Troy, Southfield, and Royal Oak. We do not guarantee any specific outcome.
Having the right documents ready helps us quickly understand your situation and identify the options worth reviewing. Here is a practical checklist for a Michigan homeowner facing a foreclosure.
You do not need every item on this list before reaching out. Send us what you have — our team can guide you on anything that is missing.
Contact Us About Your ReviewExplore additional Dream Legal Solutions resources for Michigan homeowners.
Statewide information on Michigan foreclosure law and process.
View State PageUnderstanding the judicial-path and Answer context in Michigan.
View GuideGeneral foreclosure-defense guides and document resources.
Browse ResourcesMichigan foreclosure notices and sales move quickly. Get your situation reviewed before the sheriff sale.
Disclaimer: Dream Legal Solutions is a document-preparation and case-review service. We are not a law firm and do not provide legal advice. We cannot guarantee results, forgiveness of any debt, or the outcome of any legal matter. If you need legal advice or representation, we recommend consulting a licensed Michigan attorney. Information on this page is general education and is not legal advice.