Michigan uses both judicial and non-judicial foreclosure. 90-day pre-foreclosure notice required. 21-28 day Answer deadline for judicial cases. We prepare documents for all 83 MI Circuit Courts.
Dual Process State
Judicial & non-judicial
90-Day Notice
Pre-foreclosure required
83 Circuit Courts
Statewide filing
6-Month Redemption
Post-sale right in MI
Rush response within 24 hours
Michigan has 83 counties. All foreclosures are judicial and heard in the Circuit Court in the county where the property is located. File your Answer within 30 days of service under MCR 2.108. Michigan also provides a statutory redemption period after sale.
All 83 Michigan counties served — Wayne, Oakland, Macomb, Kent, Genesee, Washtenaw, Ingham, Kalamazoo, and all others.
Michigan is a non-judicial foreclosure state. Most foreclosures proceed by advertisement under a power of sale without court involvement. Homeowners must file a civil lawsuit in Circuit Court to challenge the foreclosure and seek an injunction. MI has a 6-month redemption period for most residential properties. Michigan has 83 counties.
Notice of Default
Lender sends notice of default. MI requires a notice of right to cure. Lender may then begin foreclosure by advertisement.
Notice of Sale
Notice published for 4 consecutive weeks and posted on the property. Sale must be at least 28 days after first publication.
Circuit Court Filing
Because MI is non-judicial, homeowner must file civil lawsuit in Circuit Court seeking TRO or injunction to stop sheriff sale.
Sheriff Sale & Redemption
Property sold at sheriff sale. MI has a 6-month redemption period for most residential (12 months if >75% of original debt unpaid).
MI's 6-month redemption is a key protection (12 months in some cases). The non-judicial process moves quickly — prompt Circuit Court action essential.
Standing Challenge
Foreclosing party must prove authority. Chain of assignment challenges in Circuit Court civil action.
Notice by Advertisement
MI requires strict 4-week publication and posting. Defects in notice can be grounds to challenge the sale.
6/12-Month Redemption
MI's substantial redemption period is a key protection. Homeowners have months to redeem after sheriff sale.
Deficiency Judgments
MI allows deficiency judgments but has specific requirements. Fair market value considerations may apply.
| Stage | What Happens | What You Can Do |
|---|---|---|
| Notice of Default | Lender sends notice of default. For non-judicial (by advertisement), a 30-day notice is published and posted. Sheriff sale scheduled. | Contact us immediately. MI allows both judicial and non-judicial. Determine which process applies. Gather loan documents. |
| Sheriff Sale / Complaint | Non-judicial: sheriff sale held. Judicial: complaint filed in Circuit Court with 21 days to Answer. MI has a 6-month redemption for most properties. | For non-judicial: file civil suit for injunction. For judicial: file Answer within 21 days. MI's redemption period provides time. |
| Redemption Period | 6-month redemption after sheriff sale for most residential properties. 12 months if more than 50% of loan paid. Homeowner can remain during redemption. | Use redemption period to negotiate, raise funds, or challenge the sale. This is a significant window to act in MI. |
| Post-Redemption | If not redeemed, purchaser receives sheriff's deed. Eviction proceedings may begin. Deficiency judgment varies by process. | Consult about post-foreclosure options. MI's longer redemption provides extensive opportunity for resolution. |
Pay past-due amounts. MI requires right to cure notice. Reinstatement available before sale.
Negotiating to change loan terms — lowering rates, extending term, or adding missed payments.
MI's generous redemption — 6 months (12 if >75% unpaid). Significant post-sale protection.
Temporary pause or reduction in payments during financial hardship.
File civil suit in MI Circuit Court for TRO/injunction. All 83 counties.
Professional document preparation for MI Circuit Court and loss mitigation applications.
Important: Dream Legal Solutions provides document preparation services. We are not a law firm. For legal advice, consult a licensed Michigan attorney.
Dream Legal Solutions helps MI homeowners in all 83 counties with foreclosure document preparation.
30+ Years — Decades of experience nationwide
MI Process — Non-judicial by advertisement, 6/12-month redemption, Circuit Court across all 83 counties
Cost-Effective — More affordable than attorney representation
Dream Legal Solutions is not a law firm. Results vary. No outcome guaranteed.
Hear from homeowners across Michigan who used our document preparation services to respond to foreclosure — from Detroit to Grand Rapids, Ann Arbor to Flint.
"I was served foreclosure papers in Wayne County and had 30 days to respond. Dream Legal Solutions prepared my Answer for the Detroit Circuit Court and organized everything I needed within 48 hours. They knew MCR 2.108 and Michigan procedures."
— Marcus T., Detroit (Wayne County)
"After a job loss in Oakland County, I fell behind on my mortgage. Dream Legal Solutions prepared my response for the Pontiac Circuit Court. They explained the Michigan redemption period and had my documents ready fast."
— Sarah M., Pontiac (Oakland County)
"Dream Legal Solutions helped me respond to a foreclosure in Kent County. I was overwhelmed by the 30-day deadline, but they prepared my defenses including standing challenges. The Grand Rapids Circuit Court package was thorough."
— David W., Grand Rapids (Kent County)
"After a medical hardship caused us to miss payments in Washtenaw County, Dream Legal Solutions prepared our Answer for the Ann Arbor Circuit Court. Professional, responsive, and thorough from start to finish."
— Robert & Lisa J., Ann Arbor (Washtenaw County)
"We were facing foreclosure in Macomb County and didn't know where to turn. Dream Legal Solutions prepared our documents for the Mt. Clemens Circuit Court. Their support during a very stressful time made all the difference."
— Emily K., Mt. Clemens (Macomb County)
"Living in Genesee County, I needed help fast when the lender filed. Dream Legal Solutions prepared my foreclosure response for the Flint Circuit Court. They delivered everything on time and answered all my questions about Michigan's redemption period."
— James R., Flint (Genesee County)
These testimonials reflect individual experiences. Results vary. Dream Legal Solutions is a document preparation service, not a law firm.
MI is non-judicial. Most foreclosures by advertisement under power of sale.
Notice must be published for 4 consecutive weeks and posted. 28 days minimum before sale.
Challenges in MI Circuit Court. 83 counties statewide.
6-month redemption (12 months if >75% of original debt unpaid). Key MI protection.
MI allows deficiency. Fair market value considerations may limit amount.
Stopping non-judicial sale requires TRO/injunction through Circuit Court civil action.
Michigan is non-judicial. Most foreclosures proceed by advertisement without court involvement.
Michigan has a 6-month redemption period for most residential properties (12 months if more than 75% of the original debt remains unpaid).
File civil suit in MI Circuit Court seeking TRO or injunction. Also: reinstate the loan or negotiate a loan modification.
No. Dream Legal Solutions is a document preparation service, not a law firm. We prepare documents for pro se use.
The following verified resources may be useful as you navigate the foreclosure process. Each link leads to an official government, court, or nonprofit organization.
Official website of the Michigan Judicial Branch. Find your Circuit Court, access court forms, and learn about foreclosure procedures under Michigan Court Rules.courts.michigan.gov
Search for HUD-approved housing counseling agencies that can provide advice on foreclosure prevention at little or no cost.hud.gov/findacounselor
Find a lawyer referral service, verify an attorney's license status, and access public legal resources including foreclosure guides.michbar.org
Report foreclosure rescue scams, file consumer complaints, and access resources for homeowners facing mortgage and foreclosure issues.michigan.gov/ag
Submit a complaint about your mortgage servicer to the Consumer Financial Protection Bureau.consumerfinance.gov/complaint
Federal Trade Commission resources on mortgage relief and how to identify and report foreclosure rescue scams.ftc.gov/mortgages
Free legal information and self-help tools for Michigan residents. Includes foreclosure prevention resources and court form preparation assistance.michiganlegalhelp.org
State housing agency offering mortgage assistance programs, foreclosure prevention resources, and homeowner support for Michigan residents.michigan.gov/mshda
Disclaimer: Dream Legal Solutions is not affiliated with, endorsed by, or partnered with any of the organizations listed above. These links are provided for informational purposes only.
With a non-judicial process and 4-week publication timeline, early action is critical. MI's 6/12-month redemption provides valuable post-sale protection. Request your free case review today.
Michigan Counties Served
Month Redemption Period
Years Combined Experience
Dream Legal Solutions is a document preparation service, not a law firm. No outcome guaranteed.
Foreclosure cases in Michigan are handled by the Circuit Court in each of the 83 counties. Michigan allows both judicial and non-judicial foreclosure.
Address
2 Woodward Ave, Detroit, MI 48226
Phone
(313) 224-5261
Hours
Mon-Fri 8:30AM-4:30PM
Redemption
6 Months (Most Properties)
Deadline Alert: In MI, you have 21 days to file an Answer in judicial foreclosure. For non-judicial, act before the sheriff sale. Contact us immediately.
All 83 Michigan counties have a Circuit Court. For your specific county (Oakland, Macomb, Kent, Genesee, Washtenaw, etc.), contact us for courthouse location assistance.