Earlier this month, Senate Bill No. 1481 and its counterpart, House Bill No. 6423, were introduced to the Michigan Legislature seeking to amend the foreclosure by advertisement statute by requiring mortgage servicers to participate in Michigan's "Help for the Hardest Hit" program. If the bills are passed and signed into law by the governor, servicers who have not signed on to participate in the hardest hit program will be unable to foreclose certain mortgages by advertisement and instead, would be required to foreclose judicially.  The bills have currently been assigned to the respective committee of each branch of Michigan's Legislature for review.  As always, we will keep you updated on any changes or movements of these particular bills.