Q: Foreclosure process in Detroit, MI with no notice received from lender.
What is the foreclosure process in Detroit, Michigan? I was foreclosed by a hard money lender in January, but I never received a foreclosure notice. My lender usually sends mail to my correct address, and I have not contacted them yet to discuss this issue.
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A:
In Detroit, Michigan, the foreclosure process typically follows a non-judicial method known as "Foreclosure by Advertisement." This process does not require a court action but mandates specific steps to notify the homeowner. The lender must publish a Notice of Sale in a local newspaper once a week for four consecutive weeks and post a copy on the property at least 15 days after the first publication. These notices are meant to inform the homeowner of the impending foreclosure sale.
If you did not receive any foreclosure notices, this could be a significant issue. Michigan law requires that the homeowner be notified of the foreclosure proceedings. If proper notice was not given, you may have grounds to challenge the foreclosure. It's crucial to review your mortgage documents to understand the terms and to verify if any notices were sent to your correct address.
Given the complexity of foreclosure laws and the potential for errors in the process, it would be beneficial to consult with a local attorney who can assess your situation. They can help determine if your rights were violated and advise you on possible actions to take. Additionally, contacting the Michigan State Housing Development Authority (MSHDA) or a HUD-approved housing counselor can provide guidance and resources to assist you during this challenging time.
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