Michigan
Michigan Compiled Laws § 600.3201. Both foreclosure state.
Judicial Type
Both
Redemption
6 months for most residential property (Mich. Comp. Laws § 6
Deficiency
Lender may pursue deficiency. Deficiency limited to debt − f
Mediation
Michigan Foreclosure Prevention Project: voluntary mediation
Statute Citation
Mich. Comp. Laws §§ 600.3201-600.3285
Redemption Period
6 months for most residential property (Mich. Comp. Laws § 600.3240). If the property is abandoned as determined by the court, the redemption period may be reduced to 30 days.
Deficiency Judgment Rule
Lender may pursue deficiency. Deficiency limited to debt − fair market value if the lender bids less than the debt at the sheriff's sale. Motion for deficiency must be made within the foreclosure action.
Notice Requirements
Notice of foreclosure by advertisement published 4 consecutive weeks and posted on the property. Notice must be mailed to borrower within 15 days of first publication. Michigan has detailed foreclosure-by-advertisement rules.
Mediation Program
Michigan Foreclosure Prevention Project: voluntary mediation; borrower must request.
Key Provisions
- Foreclosure by advertisement (non-judicial) is the standard process
- 6-month redemption period for most residential property
- Publication and posting requirements
- Deficiency limited by fair value when lender credit bids under debt
- Sheriff's sale is a public auction
Homeowner Protections
- 6-month redemption period gives substantial time post-sale
- Fair value limitation on deficiency
- Notice by mail, publication, and posting (triple notice)
- Borrower may challenge the sale for procedural irregularity
Frequently Asked Questions
How long do I have after the sheriff's sale in Michigan?+
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