Sheriff's sale scheduled or inside the redemption period? Time-sensitive options exist — even now.
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Call Ron directly: (248) 516-7870
(248) 516-7870
Call Ron now · Free · Confidential · 7 days a week
You May Have More Options Than You Think. Even Now.
Whether your sheriff's sale is scheduled or you're inside the redemption period, there may be real paths forward. I've guided dozens of Michigan families through this process — confidentially, at no cost to you.
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Ronald L. Coleman, CDPE15+ Years · Michigan Short Sale & Foreclosure Specialist eXp Realty, LLC · License #6506047721
Options before AND after a sheriff's sale
No pressure, no cost — just honest answers
CDPE Certified Distressed Property Expert
100% confidential · No cost, ever · Available 7 days a week
Get Your Free Consultation
I aim to reach out within a few hours during business hours. No pressure, no obligation.
Questions? Call Ron directly: (248) 516-7870 · Available 7 days a week
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15+ Years
Michigan Foreclosure Specialist
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40+ Families
Guided Through the Process
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100% Free
No Cost to Homeowner
⭐
CDPE
Certified Distressed Property Expert
Where Are You Right Now?
Every Stage Has Options. Let's Find Yours.
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Sheriff's Sale Is Scheduled
You've received a sale date. This feels like the end — but it may not be. A short sale or other strategy may still help address or delay the process. Time matters here.
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Inside the Redemption Period
Michigan law gives you a redemption window after the sale. This period is widely misunderstood — you may have more time and options than you realize.
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Behind on Payments
If you're behind but haven't received a sale date yet, this is the best time to act. Early options are the most powerful — don't wait.
What Homeowners Say
Real Families. Real Outcomes.
"Mr. Coleman is a true gem — knowledgeable, patient, and professional. With his expertise and caring demeanor, he helped my family work out an impossible situation. His presence gave me an assurance that all would be fine… AND IT WAS!! Everything worked to the good of my family. You are truly Detroit's Favorite Realtor."
— Tanya, Detroit | Foreclosure avoidance
"Mr. Coleman goes over and beyond the call of duty. He uses the knowledge and wisdom he's gained from his tenure in the industry, and operates with excellence and integrity. He helped me sell 4 properties — including one that had already gone to sheriff's sale, which he was still able to sell on my behalf after the fact. His services are greatly appreciated."
— Edward, Detroit | Post-sheriff's sale & multiple property sales
The Worst Thing You Can Do Right Now Is Nothing.
Every day that passes may close options. A free 30-minute call may reveal options you didn't know you had.
100% confidential · No cost · Ron answers personally (248) 516-7870
You Have More Options Than You've Been Told. Here's What They Are.
Most homeowners facing foreclosure in Michigan don't realize how many paths exist — before AND after a sheriff's sale.
Option 1 — The Short Sale: Sell for Less Than You Owe, and Move Forward
A short sale allows you to sell your home for less than the outstanding mortgage balance, with your lender's approval. This avoids a full foreclosure, typically has less impact on your credit, and lets you exit the situation with your dignity intact. I handle the entire short sale process for Michigan homeowners — at no cost to you. My fee comes from the buyer's side of the transaction.
WHO IT'S FOR: Homeowners who owe more than their home is worth and need to sell before or after a sheriff's sale.
Option 2 — Loan Modification: Change the Terms, Keep the Home
If you want to stay in your home, a loan modification may allow you to renegotiate the terms of your mortgage — lower interest rate, extended term, or reduced principal. I can help you understand whether you qualify and connect you with the right resources. While I don't process loan mods directly, I can point you in the right direction during our free review.
WHO IT'S FOR: Homeowners who want to keep their home and can demonstrate a path to resumed payments.
Option 3 — Redemption Period: It's Not Over After the Sheriff's Sale
Michigan law provides a redemption period after a sheriff's sale — typically 6 months for owner-occupied homes. During this window, you may still be able to redeem the property or negotiate a short sale of the redemption rights. Most homeowners don't realize this window exists, or that it can be leveraged strategically. This is one of the most misunderstood areas in Michigan foreclosure law.
WHO IT'S FOR: Homeowners whose property has already gone to sheriff's sale but who are still within the redemption window.
Option 4 — Deed in Lieu of Foreclosure: A Clean Exit
In some situations, voluntarily transferring the deed to your lender in exchange for forgiveness of the mortgage debt can be a viable option. This requires lender approval but can result in fewer long-term credit consequences than a completed foreclosure.
WHO IT'S FOR: Homeowners who cannot sell and do not qualify for other options, but need a clean resolution.
Important Disclosure: This page is for general informational purposes only and does not constitute legal or financial advice. Every situation is unique. The best way to understand your specific options is a free, confidential one-on-one review with Ronald L. Coleman.
Not sure which option applies to your situation?
Understanding Michigan's Foreclosure Timeline.
Plain language. No legal jargon. So you know exactly where you stand — and what you can still do.
Best Time to Act
Step 1 — Missed Payments
After 1–3 missed payments, your lender will begin contacting you. This is the best time to reach out — the most options are available at this stage.
Act Now
Step 2 — Notice of Default
Your lender files a Notice of Default, which begins the formal foreclosure process. You will receive written notice. Options still exist here — but the clock is moving.
Urgent — Call Now
Step 3 — Sheriff's Sale Scheduled
A sale date is set and published. This feels final — but it is not. A short sale or other intervention can still occur. Contact Ronald L. Coleman immediately.
Still Options
Step 4 — Sheriff's Sale Occurs
The property is sold at public auction. This is NOT your move-out date. Michigan law grants you a redemption period after this event.
Michigan Law May Protect You
Step 5 — Redemption Period (Typically 6 Months)
For most Michigan owner-occupied homes, you have 6 months to redeem the property or negotiate other options. This window is real and widely misunderstood.
Final Stage
Step 6 — Redemption Period Expires
If no action is taken, the new owner can begin eviction proceedings. This is the true end — but you had real options at every step before this.
A Note From Ronald L. Coleman
Most people who call me believe they have no options. In 15+ years of doing this work, I have almost never encountered a situation where there was truly nothing to be done. The options available to you depend on where you are in this timeline — which is exactly what our free review determines.
15+ Years. 40+ Michigan Families. Always Free. That's My Commitment.
Designation
CDPE
Certified Distressed Property Expert
When you're facing a sheriff's sale, the last thing you need is someone who treats you like a transaction.
I've spent 15+ years working specifically with Michigan homeowners in distress — not investors, not banks. You. I understand the anxiety of not knowing what comes next, the shame that sometimes comes with financial hardship, and the fear of losing a home you've built a life in.
My goal in our first conversation is simple: help you understand every option available to you, with zero pressure and zero cost, so you can make the best decision for your family.
I am a licensed Michigan real estate agent and CDPE-certified specialist in short sales and foreclosure avoidance. I have helped more than 40 families navigate this process. My fee comes from the buyer's side — you will not pay me a single dollar for my services.
15+
Years in Michigan foreclosure avoidance
40+
Families guided through foreclosure avoidance
$0
Cost to homeowner
Credentials & Licensing
Licensed Michigan Real Estate Agent — License #6506047721
CDPE — Certified Distressed Property Expert
Specialization: Short Sales, Foreclosure Avoidance, Redemption Period Negotiation
Brokerage: eXp Realty, LLC — 39555 Orchard Hill Place, Suite 600, Novi, MI 48375
Service Area: Wayne, Oakland, Macomb, and surrounding Michigan counties
Available 7 days a week for urgent consultations
You're Probably Wondering...
Every unanswered question is a reason someone doesn't pick up the phone. Here are honest answers.
Does this really cost me nothing?
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Yes. My consultation is 100% free, and if we move forward with a short sale, I am compensated by the buyer's transaction — never by you. You will never receive a bill or invoice from me for any service related to your foreclosure situation.
The sheriff's sale is in two weeks. Is it too late?
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Not necessarily. Options may still exist even with an imminent sale date. The sooner we talk, the more options we may be able to explore together — but please do not assume it is over. Call me before you give up.
What happens during the free review?
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We will talk confidentially about your specific situation — your timeline, your mortgage balance, what you want the outcome to be. I will walk you through every option I see and give you my honest assessment. There is no pressure to do anything, and no obligation after our conversation.
Will this hurt my credit even more than foreclosure would?
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A short sale typically has a less severe and shorter-lasting credit impact than a completed foreclosure. We will discuss exactly what to expect in your specific case during our review. I will not sugarcoat it — but in most cases, the alternatives are better than doing nothing.
I'm embarrassed about my situation. Is this confidential?
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I treat everything you share with me with strict confidentiality, subject to any applicable legal obligations. I work with homeowners in financial difficulty every day — there is no judgment here, only honest guidance. Your neighbors, employer, and family are not notified through any disclosure from me.
Can you actually stop the sheriff's sale?
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In some situations, options may exist that could delay or address the process — but every case is different and outcomes cannot be guaranteed. A short sale in progress can sometimes create an opportunity to pause a sale date, depending on your lender, your timeline, and other factors. What I can commit to is being straightforward with you about what may be realistic for your specific situation.
What if I owe much more than my house is worth?
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This is actually the most common situation I work with — it's exactly what short sales are designed for. Being underwater on your mortgage is not a disqualifier. It may actually make you a stronger candidate for a short sale.
Why are you doing this for free?
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I am a licensed Michigan real estate agent. When a short sale closes, I receive a commission paid by the buyer's side of the transaction — the same way any real estate agent gets paid. You do not pay me. The lender and buyer fund my compensation. My business is built on helping homeowners who have nowhere else to turn.
Still have questions? Let's talk — free and confidential.
