In Michigan, the standard foreclosure process is:
Question & Answer
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Judicial only
Michigan is not exclusively a judicial foreclosure state; the legislature enacted foreclosure by advertisement statutes specifically to provide a faster, court-free alternative for lenders holding mortgages with power-of-sale clauses.
Non-judicial only
While foreclosure by advertisement is the most commonly used method in Michigan, judicial foreclosure is still a legally available option under MCL 600.3101, so saying Michigan is non-judicial only is factually incorrect.
Both judicial and non-judicial (advertisement)
Strict foreclosure
Strict foreclosure is a historical remedy used in only a handful of states like Connecticut and Vermont, where the court transfers title directly to the lender without a public sale; Michigan does not use this method.
Why is this correct?
Answer C is correct because Michigan law explicitly authorizes both methods under the Michigan Compiled Laws. Foreclosure by advertisement under MCL 600.3201 is the dominant method in Michigan due to its speed and lower cost, requiring publication of notice in a local newspaper for four consecutive weeks. Judicial foreclosure remains available under MCL 600.3101 when necessary, giving Michigan one of the more flexible foreclosure frameworks among U.S. states.
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