Foreclosure Defense in Denver

Denver is in Colorado, which is a non-judicial foreclosure state. Colorado is a non-judicial foreclosure state through the Public Trustee system, with the process taking approximately 120-150 days. The Rule 120 process allows homeowners to request a court hearing before the sale, providing an opportunity to contest the foreclosure. Colorado requires lenders to strictly comply with all statutory requirements, and violations can delay or prevent the 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.

The Colorado Foreclosure Hotline (1-877-601-HOPE) provides free counseling referrals. Denver's Department of Housing Stability offers foreclosure prevention resources. The Colorado Housing and Finance Authority (CHFA) provides mortgage assistance programs.

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.