Or, they would serve you with an eviction notice. The bank can never just send someone to your house and start throwing your things out. Once they serve you with the eviction notice, they still would have to go to court and have a judge rule to evict you. This notice can be served by posting it to your door, serving it in person or sending it by mail. The landlord/tenant rules in Michigan are very much in favor of the tenant and at the end of redemption, you would be considered a tenant. Once the judge rules and gives you a date to vacate the property, if you are still in the property, the sheriff would then be able to come and remove all your possessions and lock you out of the house.
Kathy Persha, Realtor
Nextage Advanced Realty
Karen Paytas, GRI, CMS
Real Living Kee Realty
More than likely, you've gotten notices on your door over the last several months -- that's who you will want to call.
Usually, you will get a notice on your door called "Know your options" or something similar.
If you call the agent assigned the home, you may be eligible for a "Cash for Keys" program. Generally, you'll get three options (Or some form of this, depending on your seller/bank):
1. Be out in two weeks, and you get some money for relocation assistance
2. Be out in a month and you will get half as much as option 1.
3. Be unable to participate with Option 1 or 2 and the seller/bank will begin eviction.
If it goes to eviction, you'll be aware of the date the court sets and your personal items will be placed out on the front lawn that assigned date for 24 hours before they are removed via dumpster.
It's in your very best interest to work quickly to comply with timely response to ensure option 3 isn't available. If you get ANY notice on your door from an agent assigned or representing the bank, call them immediately.
If you have any questions, let me know.