Where are you right now?
Michigan foreclosure runs on dates fixed by statute, not by whoever is calling you. Mark the last thing that happened — the rest follows.
Nothing has been filed. The protections you have now are federal, and they run on day counts.
Statutory dates only — nothing here is an estimateSend an address or parcel number. We’ll send back your actual calendar, with the law behind each date.
Free. No obligation.Publication starts a countable clock. Find the first publication date on the notice and count from there.
Statutory dates only — nothing here is an estimateSend an address or parcel number. We’ll send back your actual calendar, with the law behind each date.
Free. No obligation.The sheriff's deed doesn't take effect until redemption expires. You can still sell during it.
Statutory dates only — nothing here is an estimateSend an address or parcel number. We’ll send back your actual calendar, with the law behind each date.
Free. No obligation.Tax foreclosure is a county process on a three-year cycle, ending in a court judgment.
Statutory dates only — nothing here is an estimateSend an address or parcel number. We’ll send back your actual calendar, with the law behind each date.
Free. No obligation.The money
Surplus proceeds
If the county sells your foreclosed property for more than you owed, that surplus is yours to claim — but only if you claim it.
In Rafaeli, LLC v Oakland County, 505 Mich 429 (2020), the Michigan Supreme Court held that a county keeping sale proceeds above the taxes, interest, penalties, and fees owed is an unconstitutional taking. The Legislature then built the claim process into MCL 211.78t. It is not automatic.
July 1 is the one that ends it. No notice by July 1, no claim.
What redemption actually costs
Redeeming isn’t paying off your old mortgage. It’s a different, larger number.
It’s the amount bid at the sheriff’s sale, plus interest at the rate in your mortgage, plus what the purchaser paid to protect the property — taxes, insurance premiums, condo or association assessments, and amounts used to redeem senior liens, with interest on those.MCL 600.3240(1)–(2), (4)
You can ask the purchaser’s designee for the computed redemption amount. A designee may charge a fee of up to $250 for that computation.MCL 600.3240(2)
Ask your servicerThe deficiency
A low sale price isn’t automatically a debt you’re stuck with.
If the sale doesn’t cover the debt, the lender may pursue the difference. But where the foreclosing party itself bought the property at the sale, Michigan law lets the borrower contest the deficiency by showing the property was worth substantially more than the sale price.MCL 600.3280
Send an address or parcel number. We’ll send back your actual calendar, with the law behind each date.
Free. No obligation.The guides
The Michigan process, end to end
Every notice and every deadline in order, with the statute beside each one.
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