Foreclosure Defense in Detroit

Detroit is in Michigan, which is a non-judicial foreclosure state. Michigan is a non-judicial foreclosure state through foreclosure by advertisement, with the process taking approximately 60-90 days. However, Michigan also has a generous 6-month statutory redemption period for most residential properties — and up to 12 months for larger properties or those with significant acreage. During the redemption period, you can remain in the home and may be able to redeem the property or negotiate a favorable exit.

In Michigan, since it is a non-judicial state, there is no lawsuit to answer — but you must act quickly once you receive a Notice of Default. The timeline is short, and your options narrow the closer you get to the sale date.

Wayne County's Mortgage Foreclosure Prevention Program provides counseling and legal assistance. The United Community Housing Coalition offers foreclosure prevention and tenant advocacy. The Michigan State Housing Development Authority (MSHDA) administers the Step Forward Michigan program.

Yes, it is possible to keep your home even after the foreclosure process begins. Options include reinstating the loan (paying the past-due amount), negotiating a loan modification, filing for bankruptcy (which stops the foreclosure immediately via the automatic stay), or raising legal defenses that challenge the lender's right to foreclose. In Michigan, many homeowners successfully save their homes through these methods — but early action is critical.