Sheriff's sale scheduled or inside the redemption period? Time-sensitive options may still exist.
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Call Ron directly: (248) 516-7870
(248) 516-7870
Call Ron now · Free consultation · Private · Available 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 — privately, with no cost for the consultation.
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Ronald L. Coleman, CDPE16 Years Licensed · 14+ Years in Distressed Property Work eXp Realty, LLC · License #6506047721
Options may exist before and after a sheriff's sale
No pressure. Free consultation. Honest answers.
CDPE Certified Distressed Property Expert
Private consultation · No out-of-pocket fee for my services
Get Your Free Consultation
I aim to reach out within a few hours during business hours. No pressure, no obligation.
Licensed in Michigan, 14+ in Distressed Property Work
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Dozens
of Families Helped
🔒
Free Consultation
No Out-of-Pocket Fee
⭐
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."
Angela, 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."
Marcus, Detroit* | Post-sheriff's sale & multiple property sales
*Client names have been changed to protect their privacy. Quotes are from actual clients. Testimonials reflect individual experiences. Every situation is different, and results are not guaranteed.
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.
Private consultation · No out-of-pocket fee · Ron returns every call 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 may exist, both 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, may have less impact on your credit than a foreclosure, and lets you exit the situation with your dignity intact. I guide you through the short sale process and work with your lender, the buyer, and the title company. In most short sales, my commission is paid from the sale proceeds at closing, as approved by your lender, so you would not pay me out of pocket. Ask your lender whether it will waive any remaining balance (called a deficiency), and talk to a tax professional about possible taxes on forgiven debt.
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 — such as a lower interest rate, extended term, or reduced principal. Loan modifications are reviewed and approved only by your loan servicer. I do not negotiate or process loan modifications. During our review, I can point you to free resources, such as HUD-approved housing counselors, and qualified professionals.
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 — often 6 months for many owner-occupied homes, but it can be shorter or longer depending on the property and the loan, and certain conditions can shorten it. Confirm your exact deadline with an attorney. During this window, you may still be able to redeem the property or pursue a sale of the property during the redemption period. Most homeowners don't realize this window exists, or that it may create opportunities. 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 can be a viable option. This requires lender approval. Lenders do not always forgive the remaining debt, so get any waiver in writing. A deed in lieu may have 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, financial, or tax 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 can better understand where you may stand and what you may still be able to 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: Foreclosure Notices
Michigan lenders usually foreclose without going to court. Notice of the sale is published in a local newspaper for four weeks and posted on the property. Options may 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 may not be. A short sale or other option may still be possible. 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)
Many owner-occupied homes have a 6-month redemption period, but yours may differ. During this window you may be able to redeem the property or pursue other options. This window is real and widely misunderstood.
Final Stage
Step 6 — Redemption Period Expires
Once the redemption period expires, the new owner may begin eviction proceedings. Options are generally greater earlier in the process.
A Note From Ronald L. Coleman
Most people who call me believe they have no options. In many cases, homeowners who believed they had no options learned they had more choices than they thought. The options available to you depend on where you are in this timeline — which is exactly what our free review determines.
16 Years Licensed. Dozens of Michigan Families Helped. Free Consultations. 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.
For more than 14 years, much of my work has been with Michigan homeowners in distress. My focus is helping homeowners understand their options. 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 the options that may be available to you, with zero pressure and no cost for the consultation, 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 dozens of families navigate this process. My commission is typically paid from the sale proceeds at closing, so you will not pay me out of pocket for my services.
16
Years licensed in Michigan (14+ in distressed property work)
Dozens
Families helped through foreclosure avoidance
$0
Out-of-pocket fee for my services
Credentials & Licensing
Licensed Michigan Real Estate Agent — License #6506047721
CDPE — Certified Distressed Property Expert
Specialization: Short Sales, Foreclosure Avoidance
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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The consultation is free. If we move forward with a short sale, my commission is typically paid from the sale proceeds at closing, as approved by your lender. You would not pay me out of pocket. Other costs, like a remaining loan balance or taxes, depend on your lender and your 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 may have a less severe and shorter-lasting credit impact than a completed foreclosure. For credit-specific advice, consult a HUD-approved housing counselor. 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. Please note that foreclosure notices are public records, and a home listed for sale is marketed publicly.
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 I cannot guarantee any outcome. 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, my commission is typically paid from the sale proceeds at closing, as approved by your lender, the same way real estate agents are paid in other sales. You do not pay me out of pocket. My business is built on helping homeowners who have nowhere else to turn.
Still have questions? Let's talk — free and confidential.
