Here is a partial answer: http://www.forecloseddreams.com/michigan-foreclosure-procedures You will need to go back in your paperwork and find out which kind of mortgage you had. I am going to try to find the website that describes what happens after foreclosure, but I think Michigen is a recourse state, meaning that they can come after you, but must do so in a legally prescribed fashion. What Clearspring, SRG, Vantium, and Fannie Mae are doing should be "collection fraud" in Pa. Read my above post replying to Jeffrey explaining what I am pretty sure is the proper proceedure in recourse states. The only variable would be the time limit established by statute. I will try to find out what that is in Michigan for you.