Foreclosure Attorney in Detroit

Sheriff’s Sales Do Not Wait for a Modification

Older owner-occupied homes in Detroit, Redford, Livonia, and Dearborn are the typical fact pattern: a mortgage that was refinanced, a tax bill that jumped, or a missed stretch after a layoff. Waiting on a lender packet while a sale date is set is the pattern that costs homes.

Chapter 13 protection is court-ordered from the day of filing in the Eastern District of Michigan. Many clients still pursue a modification — the plan is what keeps the house on the calendar while that happens.

What the Plan Actually Does

Missed mortgage payments can be spread over three to five years. Ongoing payments resume. Car notes and certain tax debt can often be handled in the same plan. The payment is based on a Detroit-area budget, not the collection letter.

Frequently Asked Questions

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