Guide · Step 01 · Pre-foreclosure

Michigan doesn't have to mail you anything

There's no notice-of-default requirement in Michigan law. The protections you have before a sale is scheduled are federal, they run on day counts, and they expire.

The clock before the clock

Day 36Your servicer must attempt live contact about loss-mitigation options. A recorded message doesn't count.12 CFR § 1024.39

Day 45Written notice of delinquency and available options, plus a single assigned point of contact.12 CFR §§ 1024.39–.40

Day 120Generally the earliest a servicer may make the first foreclosure filing. A complete loss-mitigation application submitted before then can stop it from being made.12 CFR § 1024.41(f)

What Michigan law does and doesn't require

Michigan forecloses by advertisement. The statutory notice is the notice of sale — published once a week for four successive weeks in a newspaper in the county, with a copy posted on the property within 15 days after first publication.MCL 600.3208

There is no separate state requirement that the lender mail you a notice of default, and no requirement of actual notice to the borrower. The first thing many people see is the copy taped to their own door.MCL 600.3208; Jennings v Arnold, 258 Mich 599 (1935)

The letter you’re waiting for may not be coming. The deadlines are running either way.

Do this week

Request a written reinstatement quote good through a specific date.

Ask for the loss-mitigation application and your single point of contact.

Compare your payoff to what the house is worth today.

Get your dates

Send an address or parcel number. We’ll send back your actual calendar, with the law behind each date.

Free. No obligation.

We’re turning this on this week — no form is collecting anything yet.

Want an offer on the property instead? Ask.