Risk & Associates

County Civil Process & Judgment Enforcement

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Effective Wednesday, August 4, 2021, the Leelanau County Mortgage Foreclosure Sales will return to the original schedule of being conducted at 1:00 P.M. on the 1st and 3rd Wednesdays ONLY of each month.


Respectfully,

Rick E. Risk



Effective July 1st, 2021, the Ionia County Sheriff Mortgage Foreclosure Sales will return to the original schedule of being conducted at 10:00 A.M. on the 1st and 3rd Thursdays ONLY of each month.

Although COVID-19 precautions continue to be strongly encouraged, those individuals that have been fully vaccinated will no longer be required to wear face masks to attend the sales.

Respectfully,

Rick E. Risk
Special Deputy
Ionia County Sheriff’s Office



Please note: Internet sites that report properties scheduled for auction may not be accurate or current. It is advised that you do not rely on the information they display regarding opening bid amounts or dates of sale.
SALES
All Sheriff/Foreclosure sales must contain the following documents:
 
  • Affidavit of Publication
  • Bidding Instructions
  • Sheriff’s Deed on Mortgage Sale
  • Property Description
  • Non-Military Affidavit
  • Evidence of Sale (Affidavit of Auctioneer)
  • Affidavit of Purchaser
  • Affidavit of Posting

Alpena County Sheriff's Office
Sheriff’s Office Foreclosure Sales are held on the first and third Wednesday’s of every month, except holidays, at 720 W Chisholm St., Alpena, MI 49707. Sales begin promptly at 11:00 AM.

All property sale information is provided by The Detroit Legal News Publishing and private law offices by mid to late afternoon the Tuesday preceding each sale day.

Ionia County Sheriff's Office
Sheriff’s Office Foreclosure Sales are held on the first and third Thursdays of every month, except holidays, in the Magistrates Hearing Room, First Floor Level, Ionia County Courthouse, 100 Main St., Ionia, MI. 48846. Sales begin promptly at 11:00 AM.

All property sale information is provided by The Detroit Legal News Publishing and private law offices by mid to late afternoon the Wednesday preceding each sale day.

Leelanau County Foreclosure Sales
Leelanau County Foreclosure Sales are held on the first and third Wednesdays of every month, except holidays, at 8527 E. Government Center Dr., Suttons Bay, MI. 49682. Sales begin promptly at 1:00 PM.

All property sale information is provided by The Detroit Legal News Publishing and private law offices by mid to late afternoon the Tuesday preceding each sale day.


The Sheriff's Offices do not determine what properties go to sale and do not receive any prior notice on properties scheduled to go to sale until Wednesday afternoon of the current week.

If you would like to know if your property is scheduled to go to sale on the upcoming Thursday, go to: www.countycivil.com and search in the Sheriff/Foreclosure Sale tab for listings.

Mortgage foreclosure sales conducted by the Sheriff's Offices are NOT an auction where you can purchase a property at a greatly reduced price. The sale price is set by the Assignee (Mortgage Company). It is calculated by adding the remaining balance on the mortgage, any unpaid property taxes and any accumulated legal or service fees. A property that goes to sale, NEVER sells for less than the bid price set by the Assignee. It is very rare that anyone purchases a property at the Sheriff’s Foreclosure Sale, and it generally goes back to the Assignee, who contracts with a realty broker to sell the property.

If your property is sold, there is a redemption period (usually six months), wherein you are given the time to come up with the necessary funds to satisfy the Purchaser. In some cases, the redemption period may be as short as 30 days. Properties over three acres, may have a redemption period as long as one year. Please contact the mortgage company for complete information on the redemption period for a particular property. On the day the redemption period expires, if no satisfactory payment arrangement has occurred and you are still on the premises, the Purchaser has the legal right to initiate proceedings to evict you from the property.

Adjournments

When a property is adjourned, the foreclosure sale has been put on “hold” for one reason or another.

A sale can continue to be adjourned anywhere from one week to several years. The Sheriff's Offices are not provided with any background information on the reason why a sale has been adjourned. You must contact the law firm handling the foreclosed property for the Assignee if you have questions regarding an adjournment.

Alpena County Sheriff's Office
The Sheriff’s Office posts property adjournments every week on the electronic bulletin board located in the Alpena County Treasurer's Office in the Courthouse at 720 W Chisholm St., Alpena, MI 49707.

Ionia County Sheriff's Office
The Sheriff’s Office posts property adjournments every week on the electronic bulletin board located in the Ionia County Register of Deeds office in the Courthouse at 100 Main St., Ionia, MI. 48846.

Leelanau County Foreclosure Sales
Leelanau County Foreclosure Sale adjournments are posted every week on the electronic bulletin board located in the Leelanau County Clerks Office, 8527 E. Government Center Dr., Suttons Bay, MI. 49682

Foreclosure Sale Guidelines

If a property is in foreclosure and goes to sale and you wish to purchase the property at the sale, you must have cash or a bank-certified check (made out to the Assignee) with you for the opening bid at the time of the sale, and produce any additional bid funds no later than 1 hour after the conclusion of the sale. You can obtain the opening bid amount and Assignee information by checking our website (www.countycivil.com) after 3:00 PM the evening before scheduled sales.

If a property receives an "overbid" (a bid higher than the mortgage company's/bank's bid) of more than $1, the individual making the highest bid shall have 1 hour from the conclusion of the sale to present a bank-certified check or cash (checks preferred) for the total amount of the overbid and MUST be made out to: County Civil Process. DO NOT include the overage in the check made out to the mortgagee. The overbid amount will be placed in a non interest bearing account and will be held there until the redemption period is over, unless a demand or a verfied claim is made for the overbid. At that time, the overbid shall be paid to the mortgagor or clerk of the court, accordingly depending on the circumstances, as required by statute. The successful bidder should expect to receive the sheriff’s deed for YOU to record with that County Register of Deeds within 7-10 business days. You will be required to make your own "Affidavit of Redemption" and to pay the recording fees. 

If the individual making the overbid fails to present the funds within the 1 hour deadline, the person (if still present at the Sale location) making the next highest bid when the property was first called and auctioned will be allowed 30 minutes to present the necessary funds. If the second highest bidder is not present, the property will deed to the Mortgage Company/Bank.

A buyer whose payment is dishonored for any reason or who fails to submit overbid funds (consummate the purchase) shall be banned from all future Sheriff/Foreclosure Sales.

The venue for all litigation or arbitration resulting from any disputes or matters involving or arising out of bidding or purchases shall be fixed within the respective County in which the sale occurred.

It is at the sole discretion of the Deputy to adjust the 1 hour overbid deadline should circumstances such as weather, accident or situations totally unforeseen which may cause a delay in the bidder’s arrival occur.

All properties not receiving an “overbid” when the property is called for auction shall be closed for bids, after which the “Sheriff Deed” will be submitted, listing the Mortgage Company/Bank as owner after the redemption period.

Successful bidders cannot take ownership or possess the property until the redemption period has expired or the property has been certified as abandoned. There is no warranty attached or implied. BUYERS BEWARE – CAREFUL RESEARCH IS REQUIRED.

All Sheriff Deeds will be properly signed and notarized and either recorded with the County Register of Deeds or returned to the Mortgage Company/Bank representative. Each Sheriff Deed must have an “AFFIDAVIT OR REDEMPTION” attached in order for it to be recorded.

If you are a tenant residing in a foreclosed property, see How Mortgage Foreclosure Affects Tenants.


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