Your Rights After a Sheriff Sale


The Sheriff Sale is your actual date of foreclosure. You received notice of this by letter from the attorneys for your mortgage company and by a notice taped to the front door of your home. Remember: This is not a move out date! Here are your rights under Michigan law:

After the Sheriff Sale – At this point, the home has officially been foreclosed on, and will now appear on your credit report as a foreclosure. The home has either been sold or retained by your current mortgage company. The information regarding who bought your home and the amount it sold for can all be obtained by the same attorneys that have been corresponding with you during this period. You now officially enter what is considered your “Redemption Period.”

Redemption Period – By law in the State of Michigan, you are guaranteed that your Redemption Period will be no less than 30 days and no more than one year beginning the day of the Sheriff Sale. Your time frame will be given to you on the notice taped to you door. In most cases you are allowed six months for this period of time.

The only way for you to retain possession of the home after the Redemption period is to re-purchase the home. However, this can be a difficult task with a foreclosure on your credit report.

You may also sell the home during this Redemption Period. This will allow you to retain any equity that you may have in the home. You must be in contact with the attorneys to obtain the updated debt owed on the home, as this amount will change throughout the Redemption Period.

The best advice for anyone facing a financial crisis is to start working on your problem immediately. Don’t wait until your home is foreclosed on. Start finding alternative solutions now.

To learn more, call us at (616) 241-2601.


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Phone: (616) 241-2601

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Fax: (616) 241-5151

Address: 1100 South Division Avenue, Grand Rapids, Michigan 49507