Foreclosure Defense in Aurora

Aurora is in Colorado, which is a non-judicial foreclosure state. Colorado's Public Trustee non-judicial process takes 120-150 days. Aurora partially spans Arapahoe, Adams, and Douglas counties, meaning county jurisdiction depends on the property's specific location. The Rule 120 process allows homeowners to request a court hearing before sale.

In Colorado, since it is a non-judicial state, there is no lawsuit to answer — but you must act quickly once you receive a Notice of Default. The timeline is short, and your options narrow the closer you get to the sale date.

Arapahoe County foreclosure resources are available through Aurora's Housing and Community Services. Colorado Legal Services provides foreclosure defense. The Colorado Housing and Finance Authority administers assistance.

Yes, it is possible to keep your home even after the foreclosure process begins. Options include reinstating the loan (paying the past-due amount), negotiating a loan modification, filing for bankruptcy (which stops the foreclosure immediately via the automatic stay), or raising legal defenses that challenge the lender's right to foreclose. In Colorado, many homeowners successfully save their homes through these methods — but early action is critical.