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Representing People In Macomb, Wayne And Oakland Counties
And Across Michigan Since 1993

Foreclosure Defense Attorneys In Michigan

When lenders initiate a foreclosure, it is usually due to missed mortgage payments or a default on loan terms. Many foreclosures happen without any court involvement, and homeowners may not fully understand their rights or options until it is too late. 

At Bieber & Lubinski, PLLC, we offer compassionate and knowledgeable foreclosure defense. Located in Center Line, Michigan, we have serve clients in Macomb, Wayne and Oakland counties and throughout Michigan. 

What Is Foreclosure, And Why Does It Happen?

Foreclosure happens when a homeowner cannot keep up with mortgage payments, prompting the lender to reclaim the property.

In Michigan, most foreclosures are non-judicial, meaning they can occur without court hearings. Because of this, time is not on your side. The process can move fast, especially once a sheriff’s sale is scheduled. That is why early legal action is vital.

Options To Avoid Foreclosure In Michigan

These are several strategies that may help homeowners avoid foreclosure:

  • Loan modification: This involves negotiating new mortgage terms like a lower interest rate or extended repayment period.
  • Forbearance: Temporarily pauses or reduces payments, giving you time to recover financially.
  • Repayment plan: An agreement to repay missed amounts over time while resuming regular payments.
  • Short sale: Selling your home for less than what is owed, with your lender’s approval.
  • Deed in Lieu of Foreclosure: Voluntarily transferring the property back to the lender to satisfy the debt.
  • Bankruptcy: Often a powerful tool in foreclosure defense.

We can help determine the best choice based on your unique circumstances.

Can Bankruptcy Stop Foreclosure In Its Tracks?

Yes. Filing for bankruptcy triggers an automatic stay, which immediately stops foreclosure actions. 

  • Chapter 13 bankruptcy: Allows you to catch up on missed mortgage payments through a structured repayment plan.
  • Chapter 7 bankruptcy: This can delay foreclosure and discharge other debts, though it might not be suitable for keeping the property in the long term.

Our lawyers can evaluate your circumstances and help determine your best option.

Call Our Warren Attorneys Today

If you are facing foreclosure in Michigan, Bieber & Lubinski, PLLC, can defend your rights. Call 586-754-1450 or contact us online to get started.