Stop foreclosure in Colorado.

How foreclosure works in Colorado

• Colorado's unique Public Trustee system administers sales county by county
• A Rule 120 court hearing is required before the sale can proceed — a built-in checkpoint
• You can cure and reinstate until noon the day before the sale by filing a notice of intent to cure

Redemption & second chances

No owner redemption after sale (junior lienholders retain limited rights).

What this means for you

Colorado's cure-by-noon-before-sale rule and the Rule 120 hearing give homeowners two real pressure points that most states lack. With Front Range equity still substantial, the equity-first question — keep, sell, or settle — deserves real numbers before the NED clock runs down.

Your options in Colorado

Every tool in the national playbook works in Colorado — what changes is the clock and the order of moves. Federal protections apply here like everywhere else: servicers generally can't start foreclosure until you're 120+ days delinquent, and a complete loss-mitigation application filed more than 37 days before a sale generally pauses it while under review.

• Loan modification — permanently restructure the payment and keep the home
• Forbearance — pause payments fast while you recover
• Hardship & assistance programs — state and federal money that can cure arrears
• Open-market sale — protect your equity with a full-value sale
• Direct cash offer — close in days when the calendar is short