Upcoming Foreclosures

Where can I search online for foreclosures in Michigan? I don't want to join any sites to see results. I thought I heard about foreclosures on Michigan.gov, but I am having difficulties finding the answers I need. Can anyone help?

Where can I find foreclosures in Michigan without having to join a site to view the results?

Who can I contact about Forclosures and Pre Foreclosures in Michigan? Besides the Sheriff Sale and Legal Section in Newspapers.. I know that already..Duhhhh Why don't bankruptcy lawyers want to help out? I ALSO KNOW ABOUT WWW.HUD.GOV WWW.VA.GOV WWW.IRS.GOV AND FANNIE MAE

I thought foreclosures in Michigan are only on credit for 5 years now?

How long did your SE Michigan foreclosure take? Please only answer if you have gone through the process. Don't tell me how long it usually takes, I want to know how long it actually took. How long did you have in the house before the sheriff sale? I know you have 6 months after the sale, but how long did it take before you were actually scheduled for the sheriff sale? Thanks!

where can i find michigan foreclosure stats? All i can find are articles where do i get the raw date? or a report?

Question about foreclosure process in Michigan? has anyone recently done a foreclosure in Michigan? If so what did the process consist of, how long did it take, and what where the repercussions afterwards. I no longer live in the home and can no longer afford to keep it.

Who can I contact to help me avoid foreclosure in Michigan? I am facing possible foreclosure on my home. I live in MI and have read about the HOPE program for people like me. My credit is bad because of my defaulted mortgage payments and the company that holds my mortgage does not refinance. Is there any companies in MI that can help me with this HOPE program? I have looked up FHA lenders in my area and entered my citeria and it brings back nothing available. How can that be? Can anyone help me or am I going to lose my home?

What can a person do if they are facing foreclosure in Michigan.? They have lost their jobs and can't make a mortgage payment. Are there programs out there to help?

In foreclosure in Michigan (home), how do they determine if you have to pay deficiency or not? The law says something to the effect of "in some cases a deficiency may be charged". How is that determined?

best way to find foreclosures? realitytrac doesn't seem to have the most up to date info for sw mi? we are looking to find foreclosures in SW Michigan area. its not like we are trying to capitolize on someone else's pain, but this area is pretty expensive and it would be nice to own a home while we can afford to buy one. we have used realtytrac.com but its at least two months behind and we are tired of searching and searching just to find out its been bought already. any suggestions?

is there a free website for foreclosures that doesn't require a credit card number for Michigan?

What are the steps to foreclosure in Michigan (Detroit area)? Unfortunately I've run into some problems with my house. My job has recently cut my hours tremendously, to the point where I can't make my monthly payments. I cant sell the house, because my mortgage was more than the house is worth. I might have to face foreclosure or a short sale. What is the process to both, and where can go from here? Thanks

Does anyone care that the state of Michigan has the highest bankrupcy and foreclosure rate in the nation? And highest unemployment rate.....Just read in the Wall Street Journal Thursday that the cities of Detroit, entire Detroit metro, Oakland county, Saginaw, Flint, Jackson, Ann Arbor, and Jackson have the highest foreclosure and bankruptcy rates in the entire NATION! Yet I never hear this in the national news! I live in Chicago, almost right next door, and If I didn't read this I would not have any idea this is happening. Now the auto industry just announced 100,000 jobs cut, mostly in the Michigan area. Whats going on here? Do they expect everyone to work at casinos dealing blackjack and tending bar? Is that the only hope? Go to Vegas or something? Does anyone in Michigan even give a s h i t? If I were you folks I would march enmasse to Lansing and demand what in God's name is going on! I would send a petition to impeach Jennifer Granholm, your Canadian governor, immediately, and send her back to Vancouver where she belongs! Michigan currently has the highest new foreclosure rate per household, with one in every 1,085 homes currently in foreclosure. This marks the highest foreclosure rate for a state this year. MICHIGAN RHODE ISLAND Active Properties: 5,863 Active Properties: 8,900 Active Properties: 87 New Foreclosures: 1,364 New Foreclosures: 3,490 New Foreclosures: 26 CONNECTICUT MINNESOTA SOUTH CAROLINA Active Properties: 167 Active Properties: 1,462 Active New Foreclosures: 54 New Foreclosures: 472 Properties: 1,810 New Foreclosures: 735 DELAWARE MISSISSIPPI SOUTH DAKOTA Active Properties: 69 Active Properties: 662 Active Properties: 83 New Foreclosures: 27 New Foreclosures: 261 New Foreclosures: 34 Compare the states, and see what I'm talking about, folks. Michigan is fried beyond belief! http://www.prnewstoday.com/release.htm?cat=real-estate&dat=20060808&rl=CGTU02708082006-1 http://www.prnewstoday.com/release.htm?cat=real-estate&dat=20060808&rl=CGTU02708082006-1 Car Craze......Howard Dean raised 40 miilion on the web. Do you think we can impeach this woman http://www.michigan.gov/gov on the web? I'm not even from the area, but I know what its like in chicago(south side) for them to close up shop on factory work and the like. I've lived it all my life here. And you guys are basically a sister city. I will start a web campaign immediately with the sole aim of impeaching this woman, along with anyone else, if they are interested? Any takers? Does anyone in Michigan care, or do I in Illinois care more than you? Well??????? Michigan currently has the highest new foreclosure rate per household, with one in every 1,085 homes currently in foreclosure. This marks the highest foreclosure rate for a state this year. -- California's new foreclosures dipped by 41 percent from June to July, while the active inventory increased by 7.3 percent. -- The largest monthly increases in new foreclosure rates were recorded in Alabama (+21.3); Colorado (+12.9); Illinois (+11.6); Michigan (+38); Minnesota (+31.1); Missouri (+48.2); and Ohio (+14.3).* -- The largest monthly percentage decreases in new foreclosures were found in California (-41.3); North Carolina (-14.3); Pennsylvania (-21.3); and Texas (-16.9).* Correction...MICHIGAN has the highest foreclosure rate.......colorado is second..... But colorado still has a tech economy to fall back on....michigan doesn't........ new foreclosure rate is a measure of the future hits.......michigan is 38+...colo is 12.9...that means that colorado is getting better after the tech debacle and has tech jobs, and michigan is getting worse quick, and has NO tech economy.

how long can I stay in my home after a foreclosure sale in michigan? My home will be sold at auction on the 24th of this month. how long before they can force me out

Is Michigan the Poster Child for Hard Times? This states image has really taken a beating, and it doesn't look to improve anytime soon. Michigan's economic factors: 1. Unemployment rate (August) 7.4% with the national average at 4.6% 2. Michigan ranks in the top 10 states for home foreclosures 3.Michigan's real disposable income is expected to fall 0.5% in 2007, while national real disposable income is expected to grow 2.7% Recall campaigns are being considered for Gov. Granholm and some of the lawmakers who voted to increase income tax from 3.9% to 4.35% Businesses have been hit with a service tax. We've lost jobs, businesses and without better educated workers Michigan will have a hard time competing with other states, like Massachusetts, California, and North carolina-or even countries with growing numbers of college students, such as India and China. Could this happen to the rest of this great country if we are not careful in who we elect as our next president? mtmeggid: Our state is run by Democrat Governor Jennifer Granholm!The rest of the country doing much better.

Foreclosures and Sheriff Sales? I have read everything in YAHOO answers regarding Michigan foreclosure timelines, but have yet to see this question answered: When your home is sold at a Sheriffs Sale, when exactly have the new buyers seen the inside of the house? I mean, it sounds to me that the homes are purchased, inside unseen. Does this make sense? I would never buy a house if I have not seen the inside. It's like buying a car without driving it first! I just don't get it. Will someone please explain this to me?

How do you find home foreclosure listings without buying a membership? Michigan foreclosures.

How do people find out about foreclosures so soon? My boyfriend's mom is a real estate agent and often tells him about houses up for foreclosure since he's looking to buy. It never fails that within a couple days of the house going on the market, there are 15 or more offers already and it's too late to bid on it! How can he (or his mom) find out when these houses are going to go on the market? There are so many of them in Michigan where I live - it seems unfair - like insiders are finding out about them before they are even on the market!

How do I find a foreclosure (fixer upper apartment) in Detroit, Michigan? I want to buy an apartment, fix it up and rent it out. Where do I find one for around $20,000?

I am thinking of letting my house go into foreclosure, I live in Michigan? and I have a home equity line of credit also (2nd mortgage). What will happen to the equity line of credit. Will they come after me for that? Will I still need to make my payments? Or does anybody know where I can find information on foreclosure in my state?

How far below Value are Foreclosures selling for in Ann Arbor Michigan? We are looking at purchasing a home this month. We have found one we like and I just found out today that the bank foreclosed on it for 75k and they have it listed for 229k. The area is a good area and in a strong market they may get it, but that's not the case. There is work that needs to be done, it's not in turn key condition by any means. The layout is a little weird, the carpet needs replacing, the fireplace needs restoring, the outside needs some serious paint, there's not even a mailbox or house numbers! No appliances or even shower heads in the bathrooms. It's a 2200sqft home with air and heat, 4bdrm, 2ba. How low of an offer would anyone suggest we throw out there? I had an idea until I learned the bank didn't have to pay hardly anything to get it back. The house was originally priced at 299k. Most comps in the area are pricing in that price range but they are in good shape. The house is totally liveable the way it is, after you add appliances, it just needs "some TLC" as you realtors would say. But, I can buy a house the same sqft with a smaller lot for 180k and it has updated appliances in the kitchen, updated baths and is total turnkey condition. Does it sound right to pay the same amount for a house that is not in turnkey condition but on a 2 acre lot instead of a .25 acre? (yes in the same school district, and both houses have been on the market for the same amount of time) Also this home we want doesn't have high efficency anything. I was thinking 175k w/ 7800 towards closing, but I'm wondering if that's too high to start?

I'm renting a condo in Michigan, but found out it is in foreclosure. Should i continue to pay rent? The landlord keeps telling me not to worry he is trying to buy it back from the bank, but is unable to show me any paperwork. What should i do concerning the rent, pay, or possibly be evicted.

Tell me your Michigan Foreclosure story...? We may be facing foreclosure in Michigan. Gonna talk to a lawyer eventually but I was just trying to get some feedback on what happened during and after. Did the mortgage company sue your for deficantcy or wright of your debt? If you had a second mortgage...what happened to it?? Did you have to pay taxes on the deficantcy?? We bought our house in 06 for 135,000....refied in early 07 for a lower rate on the 1st mortgage and we also opened up a 2nd mortgage for 15,000 at the same time with the same company (GMAC). Since our mortgage is so young, we've barely paid of any principal because most of our payment was for interest. Our home was assesed for tax purposes this winter for 120,000.

Does anyone know if in Michigan a bank can come after personal assets after a foreclosure? I am considering foreclosing on a condo in Michigan. I paid $369K in 2005 and my it has been listed at $225K for over a year. I still owe about $280K. I now live in Colorado and have bought another house. The condo is sitting empty in Michigan and is costing me about $3000 per month. The right financial decision is to foreclose, but I have the cash to pay it off and I don't want the bank coming after me after foreclosure. I've heard that in some states, the bank has to file a different type of foreclosure in order to come after assets and banks don't do it because it's very expensive and time consuming. Does anyone know what Michigan foreclosure law dictates? Thanks.

Deed in Lieu of Foreclosure in Michigan? I will be signing a deed in lieu of foreclosure as soon as the mortgage company's attorney sends it to me (they said it will be one to two weeks from now). How long, after signing, will I have until I have to be completely moved from my home and can I negotiate if they don't give me enough time? I can't plan to move before receiving this notice because it will be considered abandonment and for the time being its a "free" place to live so my attorney has advised me to stay, but he's not sure of the amount of time I have before I must vacate. My realtor couldn't get the home to sell through a short sale due to the slow market in Michigan and the fact that the lender wasn't responding to offers on a timely basis. I need to know how much time I have from time of signing because I am in the middle of divorce and not receiving any financial support from my ex yet. Thanks!

Given Michigan's bad economy, if we lose our jobs (not unlikely), will the bank work with us to save our home? (there are 4,500 homes for sale in one county, about 25% of which are foreclosures). I mean, with a backlog of repossessed and abondanded homes, it should take over a year to sell ours. Any info on this process will be appreciated

Where do I find free foreclosure list for homes in Michigan?

how would one aquire a realtor license in Michigan and what is test content? I am trying to get more information on being able to buy and sell homes in Michigan by aquiring a license. (i.e. buying foreclosures, etc.)

We had a foreclosure in michigan and had an equity line on the home do we have to make any more payments?

Michigan Foreclosure Questions... Please help!? I am going to be going into foreclosure and have a few questions for you all. I have a second mortgage on the property. When the house sells at sheriffs sale, there is no way it will sell for even the amount of the first mortgage. What happens with the second mortgage? Do I have to leave all the appliances? We replaced every single appliance in the house when we moved in. Do we have leave all the new ones? How long does the process usually take?

Double mortage foreclosure in Michigan, I need an expert!? I need someone who has a little knowledge regarding mortgage foreclosure- we're going to see a lawyer in the next few days, but we're a little nervous, so any knowledge for a little piece of mind would be a huge help! My fiancé' has a house with a $150G mortgage, and a second mortgage of $60G debt consolidation. Unfortunately, he made some business investments that went wrong (basically he got F*). The $60G is money that someone owes him that he will never get back. Michigan economy is going from bad to worse. We tried to sell his house. We did a lot of work and now it's gorgeous, but we can't get anyone in to see it. Even so, the most the house will sell for is $175G. That leaves $35G gap. It's getting bad for us. It has been suggested that we just foreclose. Sounds good and all (We know it ruins the credit-got that covered), but two big questions: Can we foreclose on both mortgage without them repossessing anything and in that case, do we stop paying property tax as well? HELP!

Spouse in Foreclosure - Michigan? My spouse purchased a home in Michigan before we met/married so I am not on the mortgage or the deed. We rented the house for about a year but have not had success renting it again. We listed the house for sale and are currently working with a Realtor on a short-sale. Her lender has started the foreclosure process, even though they have had a short-sale offer on the table for the past 5 months. After we met (but before we married) I also purchased a home in Michigan. I purchased the home on my own credit and I am the only person on the mortgage. My spouse did "gift" me a small sum of money for the down-payment, but her name is not on the deed or the mortgage. As I understand it, her lender cannot come after my assets or my credit if her house does end up being foreclosed on. Is this true even with the fact that she gifted me a small amount of money for the down-payment? Additionally, it gets confusing to me when I start hearing about joint assets due to marriage. What can her lender consider joint assets and go after? If I leave her name off my bank accounts, etc, will that protect me from any future judgements? If I do buy another house in the future, even if I do it completely in my name, can this be considered joint assets that her lender can go after (since we are now married)? Is there a period of time where her lender can no-longer sue for money that they do not fully reclaim for a foreclosure sale? Are there any steps I need to take to make sure I am protected? Thank you

I recently lost a house to foreclosure. I have a 6 month redemption period (Michigan) to pay off the property The attorney for the plaintiff has locked the property doors and I have no access to the property during the redemption period. Is this legal? He (the attorney) will not return my calls or answer my certified letters. I would like to put the property (Lake Property) up for sale since we are going in to summer in Michigan. What recourse do I have? Note: The property brought about $9000.00 less at the sheriffs sale than what I owe on it, so the lienholder will want that $9000 after the redemption period is over. The sheriffs sale was in March 2007, it is now June 2007 and I don't know who to contact. Any help would be greatly appreciated!

Any hints for selling homes in SE Michigan. Ours has been on the market for six months, is well priced. ? We have reduced price to be one of the lowest priced homes (above foreclosures) in Bloomfield Twp. We need more traffic thru the house.

Foreclosure in Michigan? I own a home in Michigan that is in foreclosure. Is it true that I have up to six months to redeem my property? Does anyone know the answer?

Should Ohio and Michigan let the GOP disqualify voters in a fashion known as CAGING? http://elections.foxnews.com/2008/09/16/obama-camp-michigan-gop-aims-to-keep-foreclosure-victims-from-polls/ This is consistent with a pattern and practice of the Republican Party throughout the country . “It’s an absolute attack on their right to vote.” this practice of disqualifying voters by questioning their residence in this fashion, known generally as “caging,” is illegal

if you go foreclosure in Michigan, do you quit your payment on a home equity loan also and what happens?

Michigan Foreclosure...? My mother-in-law informed my husband and I that she is losing her house. I'll give you the info she gaves us and maybe someone can tell us what can be done? A little over a year ago the home was refinanced (the second time in a little over 5 years) for the full purchase price and equity (a total of a little over 120 grand). She claims that she made a payment plan with the mortgage company (cant say how true that is) and went yesterday to make the first payment according to the plan. The mortgage company told her that in essance it was too late and that the home was/will be auctioned Thursday. Apparently it has been in the paper for this auction for the last month (we knew nothing of this). The mortgage company also told her that she would have to pay $4,000 to stop the auction sale. So if she doesn't come up with this money and the home is sold at auction, how long does she have to stay in the home? Can she try and sell it herself?? Is there still a chance to save the house?

Where can I search for cheap homes in Michigan? I live in the Oakland County area. I've looked at different sites and the decent houses are usually over $100K. When I tried to look at foreclosure listings sites, they ask for money. Anyone know of any websites (or contacts) where I can find cheap homes? Thanks.

Can you face jail time in Michigan for entering without permission without intent? A group of my friends and I (we're almost all 18) entered my friend's old house's garage (the house is on foreclosure) and just hung out with the garage. A neighbor called the police and now depending upon the detective and prosecutors, we could get charged. I'm curious if anyone knows what the penalty could be?

Is Michigan a recourse or non-recourse state when it comes to foreclosure?

I have a friend going through bankruptcy and an eventual foreclosure...in Michigan?? Are there any places apartments that he can go to that still will allow him to get a place???

My house went into foreclosure in Michigan? My house went into foreclosure, and was sold almost 4 months ago. I have not heard from the mortage company or lawyers. I don't know who bought it or anything. I do know, I have 6 months redemption period, but when does this begin? I thought that somebody would notify me of who purchased it, or when, how much etc... Can anyone give me advice. I dont even know what date I have to leave Thank you

how long after a foreclosure sale do i have to move. i live in michigan? I am a renter.

How much to bid on a foreclosure? In Michigan, a FreddieMac foreclosure.. Nice home, nice area..asking 108,000... under what neighborhood prices going for. What would you bid? Tons of foreclosures available in that area.

What Does It Say About Republican Morals-That They'd Disenfranchise Voters Who Lost Homes to Foreclosures? GOP in Michigan to Use List of Foreclosed Homes to Block Voters In election news, the Michigan Messenger reports the chairman of the Republican Party in Macomb County, Michigan is planning to use a list of foreclosed homes to block people from voting in the upcoming election as part of a Republican effort to challenge some voters on Election Day. The Republican plan to challenge voters who have defaulted on their house payments is likely to disproportionately affect African Americans who are overwhelmingly Democratic voters. In Michigan, more than 60 percent of all sub-prime loans were made to African Americans. John McCain’s campaign stands to benefit in other ways, as well, from the burgeoning number of foreclosures in Michigan. McCain’s regional headquarters are housed in the office building of foreclosure specialists Trott & Trott. The firm’s founder, David Trott, has raised between $100,000 and $250,000 for the Republican nominee. http://www.michiganmessenger.com/4076/lose-your-house-lose-your-vote Mayflower...I'm not "spinning," it is a Fact that the GOP "caged" and suppressed Democrat Votes in Florida in 2000 and in Ohio and other states in 2004. http://www.sourcewatch.org/index.php?title=Vote_caging http://www.buzzflash.com/contributors/06/06/con06219.html http://www.brennancenter.org/content/resource/a_guide_to_voter_caging/

Can a wife open mail addressed to only her husband in Michigan? This is where is gets complicated, the couple is in the middle of a divorce, not yet finalized and the husband refuses to change his mailing address. Since the divorce is still not final is this considered "community property" since it was received at the marital address? My ex husband is in serious arrears for child support and I am expecting a letter from an attorneys office in regards to the foreclosure of our marital home, I opened this thinking it was a document I needed to sign for the mortgage company, but it is in relation to a settlement for wrongful death of his grandfather, on which both he and our children are named as heirs. I would like to give my attorney/friend of the court this information, but am hoping since he won't change his address I will not be facing any charges for my error...any ideas?

Michigan Mortgage / Bad Credit / HUD homes / HELP!!? My husband is in Michigan waiting to immigrate us from Canada. He earns approx $3200 net per month, has been at the same job since Nov 2007, but in the same LINE of work for over 10 yrs (owned his own business for approx 5 yrs during that time). He scored at approximately 600 on his credit reports due to old problems with his business. It shows $11,000 indebtedness on the report. How can he qualify to take advantage of Michigan's foreclosures and purchase a HUD home through FHA with the $100 downpayment program. Should he take the MSHDA pre-purchase credit repair course first? How long are these courses and do they make a difference to lenders? We need to get pre-approval for the mortgage in writing and will have the $1000 EMD and $100 downpayment as required by FHA. Unfortunately, since I'm still in Canada with the kids, I can't be added to the mortgage application until after November..and we have to be IN a new place by mid-January when the kids move over.

How long in Michigan does it take for the bank to foreclose on our home? We were told not to make payments until after the bankruptsy, and then catch up on our mortgage payments after the discharge. How long before the bank would start foreclosure?

In Michigan, will you get a 30-day eviction notice prior to eviction from foreclosure?

In Michigan at what point can property be seized due to child support arrears? My soon to be ex-husband is already behind and has told me he has no intent on paying a dime...I have his motorcycle in the garage still and am tempted to call FOC and tell them to come get it. Due to his lack of support the house is in foreclosure since I have to use all of my money to meet my kids needs. If I didn't have to worry about the house I wouldn't even care, but its hurting me financially.

Foreclosed Condo in Michigan? I own a condo in Michigan that has a foreclosure sheriff sale date next week. I plan to live in the home until I can find another place to go. Do I have to continue to pay the condo association fee while I live in the home since I will no longer be the home owner?

I am losing my house to foreclosure,i live in michigan? i am layed off from work again,,, does any one know what my out come will be, bad credit,i know that. but i dont know what else.???????

People in the state of Michigan...is the job situation as bad as they say out there? I've been hearing about the auto layoffs for sometime, now I read in Thursday's wall street journal that the highest foreclosure and bankrupcy rate in the nation(i'm writing this verbatim right off the article), is in the state of Michigan, and focused specifically on the cities of Detroit, the ENTIRE Detroit metro suburban area, Ann Arbor, Saginaw, Jackson, Monroe County, and Holland. What the hell is going on here? Why isn't this a bigger deal in the news? I'm writing this from Chicago, and I barely here it mentioned in national news stories. I think this should be the biggest news story in the nation.Forget the turmoil in the middle whatever, we have an entire state, the eighth-ranked in population(just over 10 million), essentially out-of-work. Did the whole nation and corporate-political powers that be decide to write the state off? This is really bad, if what I'm hearing is true. And cities like chicago that are doing "okay" will be touched by this too What's going on? BTW, home prices are DECLINING in all these cities.........something strange is going on here. another, BTW. People do care what is going on. I'm an investment banker in chicago, and I care VERY much what is going on in the job front(perhaps I should say NOT going on) in the state of Michigan. See, we've reached a point where we are outsourcing the country away. We've written off legacy costs, spun-off supply conpanies like visteon to dump costs on the pension board, and know its got to the point where we are writing off the future of 10 million people. What are these 10 million people supposed to do, go and collectively become blackjack dealers in Las Vegas? Is everyone supposed to work for the casinos now? Or become part of the public dole? If I were a Michigan resident, I'd be writing letters weekly to Jennifer Granholm in Lansing, asking her what the hell is going on, and what, if any, plans she has for the future. That goes for all national and local senators and reps. AND, more than anything, business leaders. They just sold your entire state down the toilet I have to laugh! I got zero comments here! Even the people who live in Michigan don't care evidentally! That must be why the state is totally fried job wise! Apathy leads to job loss.!!!! Will the last person with a job in Michigan turn off the lights! It's over. Even the people themselves dont care! I know what it happened...people got lazy. Lots of money was made in the auto industry, and it seemed as if it would go on forever(Watch the first 20 minutes of Roger and Me). They never bothered to diversity, and left the entire city of Detroit enmasse, which shot down any hope of attracting high tech workers in other industries. You ran away enmasse from what could have been a great city, leaving the hopeless and jobless on the dole. That put into play a city with the highest crime rate in the nation. That essentially shot down any chance of diversifying in the future. The only reason we in Chicago are doing well here is that we spent an excrutiating period rebuilding and tearing apart our city bit by bit. It was exceedingly challenging, but we did it. Now we have lots of jobs. You folks didn't, let the city rot to hell, and now you are in the suburbs with NO jobs! Thats why.....you guys did it to yourself, and its coming back to haunt you big time!

2007 foreclosure on michigan home with 1st&2nd mortgage question? our home was foreclosed on due to job loss in michigan found work out of state and had to move tried to sell home reducing it 10,000 every month to no avail. we paid 280,000 now on market for 180,000 recieved from 2nd mortgage holder a demand for payment on the 26,000 equity loan. can they garnish my wages? I recieved a 1099 for income tax from 1st mortage holder. I am a nervous wreck. has anyone dealt with this already? any suggestions what to do? thanks for any help

How despicable can you get? The GOP in Michigan tried to remove voting rights for people who lost their homes? in the state. It has been labelled "The most despicable act of caging" Ovbiously this is 100% illegal, but what does the law matter when you are a Republican. The Democrats have filed lawsuits. Link is below. http://www.michiganmessenger.com/4463/obama-campaign-files-suit-over-foreclosure-lists

Home foreclosure questions in Michigan? If the redemtion period is over on December 4th how long after that do I have to be out of the house? Is there a way to stay longer? Thanks

Do you think that there will be an election controversy this year? Do you see another Ohio or Florida? There have been some curious things going on already to challenge people's right to vote, Michigan and the foreclosure brouhaha is an example. What if it does happen? Will people react differently, or swell with indifference?

Michigan Landlord/Tenant Law on Foreclosure? I am a tenant in Michigan with a lease option that ends in July. The house is now in foreclosure and will be auctioned Feb 15. Not to mention back taxes and waterbill, which I have paid. Do I continue to pay my landlord rent after the sale on Feb 15 or not? I would like to know if he legally can collect rent on the house or does he have to redeem it in order to collect rent on the said house. Please help I am wrecking my brain. Please note I need MICHIGAN law on this one.

What happens after a foreclosure? I live in Michigan.?

foreclosure on home in Ishpeming Michigan 49849 Ishpeming Mich? 478 washington stree , Ishpeming , Michigan in Town and countrys possession

how can i get a free list of foreclosed properties in michigan? i dont want to sign up for any free trials, i want a real free listing for prorties going into foreclosure

What are the steps I take to buy a house? How much should I have for a down payment? I live in Michigan where there are many foreclosures and what I hear is a down market, how much will this help me?

Are these foreclosures due to deadbeats? In Troy, Michigan, Dorothy Guzek, a credit counselor since 1988, has seen the changing face of foreclosure.Her clients, were predominantly poor and minorities, now increasingly they are neither. Nowadays, homeowners holding professional careers with six-figure salaries regularly drop by her office. More and more they come from upscale Michigan communities such as Independence and Clarkston, once the summer retreat for Henry Ford, founder of Ford Motor Co. In the last three months, the percentage of foreclosures for U.S. homes valued at more than $750,000 has climbed to 2.5 percent. The overall rate of foreclosures also is on pace to increase by a third this year. http://news.yahoo.com/s/nm/20070329/us_nm/usa_subprime_foreclosure_dc;_ylt=AuRmn0EzZtM14G5uxUwEqFfq188F Wow, It is really difficult to pick a best answer because everyone is so on target with this question.

Questions about buying a foreclosure home in Michigan.? My cousin is thinking about buying a foreclosure home to live in, not flip. She has the neighborhoods picked out and will wait until one of those houses go into foreclosure. How much cash do you need to come up with? Is it like taking out a regular loan for a home? There are a lot of stages to foreclosure which one will give you the better price (pre-foreclosure, bank owned…) ? Is the price you see the total price or are there hidden cost? Could you end up buying a place with a lean on it? Thanks.

I am in chpt. 13, can I convert to chapter 7, I live in Michigan? I have been in chpt. 13 for 2yrs, I added my house to prevent foreclosure, now I can't make my payments, lost my job and want to convert over to chpt. 7 ,and just let the house go to forclosure.

Why is the gop trying to do block michigan voters? Democrats Sue Michigan G.O.P. on Voter Issue By Michael Falcone Updated Responding to allegations that Republican Party officials in Macomb County, Michigan plan to use home foreclosure lists to challenge voters at the polls in November, the Obama Campaign and the Democratic National Committee filed a lawsuit on Tuesday in federal court to prevent what they contended was an illegal practice. Obama Campaign General Counsel Bob Bauer said that using home foreclosure lists as a basis for challenging voter eligibility would have a “deadly effect of the voting process” and argued that the practice would be illegal. “This is a standard operating procedure within the Republican party that’s been under legal challenge,” Mr. Bauer said on a conference call with reporters on Tuesday. Last week the chairman of the G.O.P. in Macomb County, James Carabelli, was quoted in the online publican, the Michigan Messenger, as saying that the party planned to use foreclosure lists to stop voters who no longer have valid addresses from casting their ballots. “We will have a list of foreclosed homes and will make sure people aren’t voting from those addresses,” Mr. Carabelli was quoted as saying, according to a Sept. 10 article in the Michigan Messenger. Since the story first appeared, Mr. Carabelli has repeatedly denied that the party planned to use the lists, and in an interview with The New York Times suggested that he was misquoted. “I have no voter challenging program here in my county,” Mr. Carabelli said late last week. And in a statement on the Michigan G.O.P. Web site the chairman of the Michigan Republican Party Saul Anuzis called the story “a complete fabrication.” “There has never been a plan to use foreclosure lists to challenge voters. There is no such plan, and there never will be such a plan. Period,” Mr. Anuzis said. Mr. Anuzis repeated those assertions on a conference call today and said that the Republicans would formally ask the Messenger for a retraction. Absent that, he said, the G.O.P. would pursue a libel lawsuit against the publication. According to a statement on its Web site, Messenger editors appeared to be resisting calls for a retraction. “There will be no retraction because Mr. Carabelli and Mr. Anuzis’ claims are unfounded. The quotes were not fabricated. Michigan Messenger and the Center for Independent Media stand behind this story 100 percent.” Mr. Anuzis characterized the Democrats’ legal action a “stunt.” “It clearly shows their desperation as they move forward,” he said. But the Obama campaign countered that the denials amounted to “backpedaling” on the part of the Michigan G.O.P., and said that they had enough evidence to go forward with the lawsuit. “Our position is very simply, they can tell it to the judge,” Mr. Bauer said. A copy the Obama campaign’s complaint, which was filed on Tuesday in United States District Court in Eastern Michigan, is available here. http://thecaucus.blogs.nytimes.com/2008/09/16/obama-campaign-files-lawsuit-against-republicans-in-michigan/

How long does it take to recover credit from foreclosure/deed in lieu? Michigan property depreciation has burned me, but I've been blessed with a new job and a chance at a new life out of state. I'm current on all my credit card payments and car loan, never have been late, but I'm concerned now that this foreclosure will hurt me into the far future.

How long do house foreclosures take?? in Michigan.??

I just found out the house i am renting is in foreclosure am i entitled to still pay the landlord rent? I live in Detroit Mich, my landlord failed to pay the taxes on the house i am renting i was wondering if i had the first option to buy it since its in foreclosure and if i still have to pay my rent to the land lord since the title to the property is now in the custody of the michigan tressurer. I would like to purchase the title from the tressurer?

We live in Michigan. Is it likely the mortgage company will sue us for more after foreclosure? We live in michigan.We bought a brand new condo two years ago but could not sell the house we are living in. Decided to sell condo instead and have tried for two years to rent or sell at $50,000 under what we paid and got no offers. we can no longer afford the mortgage payments or taxes. We offered the mortgage company the deed in lieu and sent them all the information they requested. They decided to foreclose. They are putting condo up for auction. Is it likely the mortgage company will sue us for more as well?

What are my options after filing Bankruptcy and home in Foreclosure? Need Help!? I live in Michigan. I filed Bankruptcy Chap.13 and was basicially denied, cause the monthly repayment plan would not leave me with much money to live off of. Now my house is going back into Foreclosure. My lawyer suggested that if I want to keep the house I could pay what I owe (about 13,000) and can keep making payments. Or I could surrender my home up to Chapter 13 stay here for about 8 months and save my money to put down on another house. What are my options at this point? Am I able to stay here and save some money for 8 months to a year, after foreclosure with out being kicked out? Are there any more options that I may be able to use? Thanks for your input.

I am interested in becoming a real estate agent/foreclosure specialist? I am interested in becoming a licensed real estate/foreclosure specialist. However, at this time funds are very limited to take any courses. Any suggestions on how I can become a licensed agent in Michigan on a limited budget?

Where do I find information about the federal programs to help homeowners with a foreclosure issue.? I was listening to a radio program this morning and they were talking about a Federal Program to help homeowner facing possible foreclosure where can I find additional information? This is for Michigan. Thanks

How does one that is unemployed (due automotive job cuts) prevent foreclosure on their home? I Have Been unemployed since October 2006 and I am having no luck finding a job. I have no other family to help. I am a single woman trying to stay a float. My mortgage company can't help me in a time like this. I have worked so hard to achieve this modest little home and now I am facing foreclosure. can any body help. Michigan woman

What would be your opening offer on this home? (1st time home buyer)? I need your help! Any help would be greatly appreciated. I am a first time home buyer and am interested in the following home. Please give me your best opinion on what to open my first offer at. Home information: Listing ticket can be accessed through www.realestateone.com MLS# 27147244 26417 Midway St Dearborn Heights, MI 48127 $ 149,500 3 Bedrooms, 1 Full Bath, 1 Half Bath THIS HOEM HAS BEEN ONT HE MARKET FOR ABOUT A MONTH NOW AND THE HOEMOWNERS HAVE REDUCED THE PRICE BY $10,000 ALREADY! I WANT TO GET THE BEST DEAL POSSIBLE WITHOUT SPENDING A TON OF MONEY. PLEASE BE AWARE THAT MICHIGAN IN RANKED 2ND IN FORECLOSURES SO THERE ARE A LOT OF HOMES OUT ON THE MARKET!

What should be my strategy after foreclosure/short sale/deed in lieu? I have a chance to leave Michigan and start a new life in another state. It has been a hard road watching the state decay into oblivion, along with my property value. I cannot sell the house for what I owe on it, and am left having to take some form of credit hit. Is there life after foreclosure? How should I approach renting, leasing/buying a car, etc? I have never been late on credit payments ever, foreclosure or DIL will be the only flaw on my credit report.

What should I know about buying a foreclosed home? I don't have much money but I live in Southeast Michigan where the market on homes is good for buyers and there are a lot of foreclosures. So how do I do it?

I am purchasing a home that is in forclosure I live in michigan..........? I bought a property in foreclosure for 80,000. It was purchased in 2004 for 180,000. Will my taxes be re-assessed at 80,000 or will I still be paying taxes on a 180,000 dollar home??? thats what i thought but i called the tax accessor this morning and she said they would be re-accessed at the new sale price......im so confused...

How long after you stop making your house payments until you get kicked out? A friend of mine lives in Michigan and told me they stopped making thier house payments 4 months ago and the bank hasn't even started the foreclosure. They also tell me that once they get the notice they have 6-8 months before they actually have to vacate the house. Is that true? Can they really live there for free for a year?

How bad would it be for our credit if we bought a house, and let our condo fall into foreclosure? I want to try to get approved for another mortgage for a house, because our condo won't sell. We live in Southeastern Michigan, and the market is awful, and we need to get into a house.

How many points has foreclosure taken off your credit score. Deed in lieu? I hear a lot about how these hurt credit, and how they stay on a credit report for seven years. Given the Michigan economy, it's something I'll be facing should I take a job elsewhere. Thanks for your specific answers.

Those from Michigan.. Sign the Petition to have Jennifer Granholm Recalled!!? Ok, so if you have not been laid of yet or lost your house to foreclosure sign this petition before Jennifer Granholm gets a chance to make it happen! I am tired of seeing this state slip farther and farther down the slump. I am also tired of seeing everyone losing their jobs and getting laid off. My tuition just went up 13 percent and may rise even more, despite the fact that we are now paying extra taxes! Its time for a change! Sign this petition to have Jennifer Granholm recalled! Sign it and then send it to everyone you know! People from Michigan only please! http://www.petitionspot.com/petitions/recallgranholm

investors private michigan real estate? I am a licensed Michigan realtor specializing in placing people with weak credit into bank owned foreclosure homes. These homes are usually purchased for 30 to 50 % less than market value, and the purchasers come to closing with at least 15% down and first year taxes and insurance. Looking for private funding of these purchases. doug mandeville 734 271 5770

How many people in Michigan.....? are in foreclosure, can't find a job and have no where to go? And could some one please tell me, if i let it go how long do i have before i have to move out? I'm scared to death, my credit sucks, have 3 dogs and a fiancee'. We tried so hard to keep up the payments, but his business fell off last summer and now we can't catch up and the mortage company keeps hanging up on me, when they call. Does any one want to buy my house and let us pay you? Just a thought?!. And no cruel answers please, alot of us are in the same boat.

What is the foreclosure process for a land contract not a mortgage in Michigan? What is the step by step process for a forclosure process in the state of michigan. How long does the process take, etc... This is NOT a mortgage IT IS a Land Contract.