If you are a homeowner in Detroit, Dearborn, Livonia, or elsewhere in Wayne County facing a Michigan foreclosure, time is of the essence. Michigan allows both judicial and non-judicial foreclosure, and many foreclosures move through a non-judicial sale by advertisement with strict notice deadlines.
Our team reviews your situation, your notices, and your options — including loss mitigation, loan modification, and preparing the documentation you may need before a sheriff sale.
Wayne County homeowners
Michigan allows both judicial and non-judicial foreclosure. Many Wayne 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.
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 assist homeowners throughout Wayne County — from Detroit and the inner-ring suburbs to the western part of the county and smaller communities. Whether you own in an older neighborhood or a newer subdivision, we're here to help you understand your options.
Every situation is different. Depending on your circumstances, we may review the following options and documentation:
Examining loss-mitigation options and servicer correspondence, including any applications, denials, or pending review related to your loan.
Reviewing loan modification terms and how any proposed changes might fit your income and hardship situation.
Reviewing reinstatement and repayment or workout arrangements that may be available as a foreclosure alternative.
Reviewing your mortgage documents, default letters, notices, and any court papers for issues that could matter to your case.
Reviewing publication, posting, and sheriff-sale notices to understand where you stand and what time may remain before the sale.
Because a non-judicial foreclosure is challenged through a Circuit Court civil action, we help review that context and coordinate with the professionals who can represent you.
Please note: We are not a law firm and do not provide legal advice. We prepare and review documents, help you understand the process, and coordinate with the professionals who can represent you in a Circuit Court action. We do not promise specific results.
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 PageGeneral foreclosure-defense guides and document resources.
Browse ResourcesBegin with a free case review about your Wayne County situation.
Start NowMichigan 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.