Colorado foreclosure laws: how the process works and how long it takes
In Colorado, a home can be sold without going to court, and once it's sold, you can't buy it back. The lender or trustee sets the sale date, so the total depends on its schedule and any postponements.
Colorado at a glance
- Does a Colorado foreclosure go through a court?
- Usually not. The home is sold after notices the law requires.
- How long does it take?
- No law sets a total length. The lender or trustee sets the sale date, so the total depends on its schedule and any postponements.
- How far behind can you get before it starts?
- Usually more than four months of missed payments.
- Can you catch up to stop it?
- Yes, until the sale, with conditions. Deadlines by kind of foreclosure
- Can you get the house back after the sale?
- No. There's no right to buy it back after the sale.
- Can the lender come after you for what the sale doesn't cover?
- In some cases. State law limits it.
- Is there mediation?
- No statewide program identified in our records.
- How many Colorado homeowners are 90+ days behind?
- The share of borrowers with a mortgage who were 90+ days behind was 0.8% in the first quarter of 2025, lower than the U.S. (1.2%). How Colorado compares
What "without a court" means for you in Colorado
Not Colorado
Through a court
The lender files a lawsuit, and a judge has to approve the sale. You can answer in court, and no law sets how fast a case goes.
Colorado
Without a court
The lender or a trustee sends the notices the law requires and sells the home at a public sale. There's no lawsuit unless you file one, so the dates in each notice matter most.
How foreclosure works in Colorado, step by step
The 7 steps of a foreclosure in Colorado, and the time the law gives each
Each step in order, with the time the law gives it. 7 of the 7 have a time set in law; "No set time" means the lender sets the pace.
- 120+ days behind You fall behind on payments
- Within 10 days Record notice of election and demand with public trustee
- 5 weeks The sale is advertised
- 21–35 days The judge decides the case
- 110–125 days after the notice of election The home is sold at auction
- Within 5 days The court confirms the sale
- 15 days You may be asked to leave
Each step in detail, with the law behind it
-
Step 1
You fall behind on payments
Federal rules give you time to apply for help before anything is filed. Source 12 CFR 1024.41
-
Step 2
Record notice of election and demand with public trustee
Within 10 business days after the Public Trustee receives a complete filing
After the ordinary-case § 1024.41 pre-filing period for a principal-residence mortgage subject to that section, the lender (beneficiary) files a Notice of Election and Demand (NED) with the Public Trustee of the county where the property is located. Source Colorado law
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Step 3
The sale is advertised
Published once a week for five consecutive weeks, starting 45 to 60 calendar days before the first scheduled sale date
After recording the NED, the Public Trustee publishes a 'Combined Notice' in a newspaper of general circulation in the county once each week for five consecutive weeks, starting 45 to 60 calendar days before the first scheduled sale date. Source Colorado law
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Step 4
The judge decides the case
Response deadline 21 to 35 days after the motion is filed; a hearing is set only if a response raises an issue within the rule's scope
Colorado's Rule 120 proceeding (Colorado Rules of Civil Procedure 120) requires the lender to obtain an 'Order Authorizing Sale' from the district court before the Public Trustee can complete the sale; a sale held without a valid order is invalid. Source C.R.C.P. 120
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Step 5
The home is sold at auction
On the scheduled sale date, 110 to 125 calendar days after the NED is recorded, or a later date if the sale is continued
With the Rule 120 Order Authorizing Sale in hand, the Public Trustee conducts the public auction. Source Colorado law
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Step 6
The court confirms the sale
Certificate of purchase recorded within five business days after the sale
After the public trustee sale, the Public Trustee issues a Certificate of Purchase to the successful bidder and records it no later than five business days after the sale. Source Colorado law
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Step 7
You may be asked to leave
Confirmation deed generally recorded 10 to 15 business days after title vests and fees are paid; eviction timing depends on the court case
After title vests, the Public Trustee executes and records a confirmation deed to the holder of the certificate of purchase (or, if a lienholder redeemed, to the holder of the last certificate of redemption). Source C.R.S. § 38-38-501
Colorado gives no right to buy the home back after the sale, so the sale date is the last deadline.
Deadlines for stopping a foreclosure in Colorado
Catching up means paying what you've missed, plus late fees and the trustee's and attorney's costs, but not the whole loan. How late you can do it depends on the kind of foreclosure.
| Kind of foreclosure | Deadline | What starts the clock |
|---|---|---|
| Any foreclosure | Up to 15 days before the sale | By then, file a written notice that you intend to catch up. This covers missed payments, unless the court's order finds another default is likely. Source C.R.S. § 38-38-104(1) |
| Any foreclosure | By noon, 1 day before the sale | Only if you filed your written notice on time. Pay the full amount due to the foreclosure officer by 12 noon the day before the sale. Source C.R.S. § 38-38-104(2)(b) |
| After the sale | ||
| Any foreclosureMortgage foreclosures | No buying back | After an ordinary mortgage or deed-of-trust foreclosure sale, the owner has no right to buy the home back. Sales for unpaid HOA dues follow a different rule. Source C.R.S. §§ 38-38-302, 38-38-305.5 |
| Through a courtHomeowner association dues foreclosures | Up to 180 days after the sale | Only for a sale for unpaid HOA dues, under the law in effect since August 7, 2024. As the unit owner, file a notice of intent to redeem within 30 days after the sale. You can't redeem before day 35, and the foreclosure officer sets the exact window. Source Colorado law |
| Other deadlines and rules | ||
| Through a court | Within 21 days after you are served | File your answer or other response in court by then. The time can differ for publication or out of state service. Source C.R.C.P. 12(a)(1) |
Not sure which kind yours is? A court summons or lawsuit means a court foreclosure. A notice of default or notice of sale with no lawsuit means one without a court.
Asking for help: For covered loans and servicers, receiving a complete application more than 37 days before a scheduled sale can require the mortgage company to wait while it evaluates it. Prior applications and other exceptions matter. Ask the company to confirm receipt and what is still missing; preparing a package here does not pause a sale.
How far behind can you get before a Colorado foreclosure starts?
More than 120 days, about four months of missed payments, for most loans on the home you live in. The federal rule has exceptions, such as a reverse mortgage, or a sale or transfer of the home without the lender's OK.
Your mortgage company generally has to try to reach you by day 36 and send a letter about help options by day 45.
A Colorado foreclosure usually can't start until you're more than 120 days behind
Days behind on your mortgage, against the federal waiting period before filing a foreclosure case or starting a nonjudicial foreclosure
Days behind on payments
What you can do at each step of a Colorado foreclosure
What tends to go wrong for people at each point, and the step that answers it.
| When | What goes wrong | What you can do |
|---|---|---|
| You've missed a payment | You're told to wait, or passed from person to person, while the clock runs. | Ask your mortgage company (the servicer, the company on your statement) what help it offers, in writing, and keep a copy of everything you send and get. A complete application sent well before any sale date has to be reviewed before the sale can go ahead Source 12 CFR §1024.41. How a loan modification works. |
| The first notice arrives | Foreclosure keeps moving while your application is still being reviewed. | Every notice has a date on it, and that date is what you plan around. |
| A sale date is set | The sale is days or weeks away. | A HUD-approved housing counselor or legal aid can help right away. Both are free. Paying what you're behind can stop the sale only where Colorado's catch-up rule allows it. Filing for bankruptcy usually pauses a sale while the automatic stay lasts, though the stay has exceptions and can be short for someone with a recent dismissed case Source 11 U.S.C. §362. |
| After the sale | Money left over sits unclaimed, or you're told to leave at once. | Colorado gives no right to buy the home back. Ask the court or trustee whether any surplus is being held. A former owner can generally be removed only through the process state law sets. |
Can your HOA or condo association foreclose in Colorado?
If you fall behind on association dues, the association can put a lien on your home. If it forecloses for unpaid dues, these rules apply, not the mortgage deadlines.
Can it foreclose, and how?
Yes. Condos, planned communities and co-ops with real estate units use a court foreclosure case. A co-op with personal property units uses the Uniform Commercial Code process. For a principal home, the association usually has to get a personal judgment (a court order that you owe the debt) first, or meet a listed exception.
Read the law's words
“The association must have obtained a personal judgment against the unit owner in a civil action to collect the amounts due…” olls.info
Is there a minimum debt or a waiting period?
For a condo, planned community or co-op with real estate units, the secured assessment balance has to equal at least six months of common expense assessments. You also have to turn down an offered payment plan for 30 days, or miss at least three plan payments.
Read the law's words
“…equals or exceeds six months of common expense assessments based on a periodic budget…” olls.info
What notices come first?
The association has to send you a certified mail delinquency notice with a 30 day warning to cure (catch up). At least 30 days before it starts a foreclosure case, it has to send you notice about credit counseling, mediation and its intent to foreclose.
Read the law's words
“…send the unit owner a notice of delinquency, by certified mail, return receipt requested…” olls.info
Do you have a right to a payment plan?
The association has to offer you an 18 month repayment plan. You choose monthly payments of at least $25. A plan that meets the legal rules blocks foreclosure.
Read the law's words
“…repay the debt in monthly installments over eighteen months…” olls.info
Can the HOA's claim go ahead of the mortgage?
Up to six months of common expense assessments can come ahead of an earlier first security interest (a lender's first claim on the home), if the legal conditions are met.
Read the law's words
“…during the six months immediately preceding institution by either the association…” olls.info
What protects you?
For a principal home, the association usually needs a personal judgment first. Fines and the cost of collecting them can't, on their own, support a foreclosure for assessments.
Read the law's words
“Applies exclusively to a unit owned by an individual who occupies the unit as the unit owner's principal residence…” olls.info
Can you buy the home back after the sale?
Yes, after a sale for unpaid association dues under the 2024 law. As the unit owner, you file a notice of intent to redeem with the foreclosure officer within 30 days after the sale. You can then buy the home back within 180 days after the sale, but not before day 35, by paying the sale price with interest and the allowed costs, by 12 noon on the last day of the window the officer sets.
Read the law's words
“…the alternate lienor has thirty days to file the notice with the officer of the alternate lienor's intent to redeem…” olls.info
Who these rules cover: The Common Interest Ownership Act covers condos, planned communities and co-ops. The six month balance test covers condos, planned communities and co-ops with real estate units.
Protections in Colorado law
Open one to read the rule in the law's own words.
Catching up after the loan is called due (reinstatement) State law
Same as right to cure — file a written notice of intent to cure by the 15th calendar day before the sale and pay the cure amount by 12 noon on the day before the sale. The right to cure and right to reinstate are effectively the same in Colorado's public trustee system. Source C.R.S. § 38-38-104
The legal details
The Colorado laws behind this page
- C.R.S. § 38-38-100.3 et seq.: Public trustee foreclosure process, notice of election and demand, notice of sale, cure and redemption rights
- C.R.S. § 38-35-109: Requirements for release and reconveyance after satisfaction
- C.R.S. § 38-22-101 et seq.: Mortgage instruments, assignments, foreclosure by judicial action
- C.R.S. § 13-40-104: Post-foreclosure eviction process and tenant protections
Moving out after the sale
After the Public Trustee's confirmation deed is recorded, if the former owner or tenants remain in possession, the new owner must make a written demand for possession and then file a Forcible Entry and Detainer (FED) action in county court under C.R.S. § 13-40-104. The summons sets a court date 7 to 14 days after it is issued (C.R.S. § 13-40-111). If the court rules for the new owner, it issues a judgment for possession. The county sheriff executes the writ of restitution to remove the occupants. Under the federal Protecting Tenants at Foreclosure Act, bona fide tenants receive 90 days' notice before eviction, and a bona fide tenant with a lease can stay until the lease ends, unless the unit is sold to a buyer who will live there.
Who gets paid first
Colorado follows a race-notice recording statute. A deed of trust that is recorded first and for which the lender paid value without actual or constructive notice of a prior unrecorded interest takes priority over that prior interest. Colorado property tax liens are first and paramount to all other liens under C.R.S. § 39-1-107. Senior property-tax liens can remain against the property after a mortgage foreclosure. Delinquent taxes don't have to be resolved before a confirmation deed can be delivered.
How long the lender has to act
Under C.R.S. § 13-80-103.5(1)(a), actions to enforce rights set forth in an instrument securing a debt, such as a deed of trust, must be brought within six years after the cause of action accrues; a claim for a debt accrues when the debt or payment becomes due (C.R.S. § 13-80-108(4)). Deeds of trust more than 6 years past due without payment or acknowledgment may be subject to limitations defenses. We found no 90-day or other special deadline for a deficiency suit in Colorado's foreclosure statutes (C.R.S. title 38, article 38). Colorado's general six-year limit covers actions to recover a liquidated debt or a determinable amount of money and actions to enforce an instrument securing a debt (C.R.S. § 13-80-103.5(1)(a)); a Colorado attorney can say which limit applies to a particular deficiency claim.
Your home's value and other creditors
$250,000 generally; $350,000 if the home is occupied by an owner, owner's spouse or owner's dependent who is 60 or older or disabled. Colorado raised its homestead exemption through SB 22-086, effective April 7, 2022. The exemption is $250,000 if the home is occupied by an owner or the owner's family, or $350,000 if it is occupied by an owner, an owner's spouse or an owner's dependent who is 60 or older or disabled. The exemption protects equity above existing liens in the home from execution and attachment by creditors, and Colorado residents use the state's exemptions in bankruptcy. It does not stop the deed-of-trust lender from foreclosing: a foreclosure sale under a mortgage or deed of trust that contains a waiver of homestead rights is free of those rights, while one without a waiver is subject to them (C.R.S. § 38-41-212). The home must be occupied as a home by the owner or the owner's family.
How Colorado compares
Colorado, Nebraska, Wyoming and Utah sell most foreclosed homes without a court. Oklahoma, New Mexico and Kansas require one.
Colorado's share of borrowers with a mortgage who are 90+ days behind is under half its 2010 peak
Share of Colorado borrowers with a mortgage who have one 90+ days past due, quarterly, Q1 2005 to Q1 2025
Colorado is tied for 38th place for the share of mortgages 90+ days behind, of the 50 states and D.C.
Share of borrowers with a mortgage who have one 90+ days past due, by state, Q1 2025. Dashed line: the U.S.
| State | 90+ days behind, Q1 2025 | Distress rank (score) |
|---|---|---|
| Oklahoma | 1.5% | 21st (60) |
| New Mexico | 1.4% | 11th (80) |
| Kansas | 1.0% | 36th (30) |
| Colorado | 0.8% | 34th (34) |
| Nebraska | 0.8% | 46th (10) |
| Wyoming | 0.7% | 45th (12) |
| Utah | 0.6% | 42nd (18) |
The share counts people with a mortgage on their credit report, not loans or dollars. Ranks are of 51 (the 50 states and D.C.); 1st is the most distressed. Colorado's full distress profile and county scores.
Questions about foreclosure in Colorado
How long does foreclosure take in Colorado?
No law sets one length for the whole process. The lender or trustee sets the sale date, so the total depends on its schedule and any postponements. Before any of it starts, your mortgage company usually has to wait until you're more than four months behind. Each step and its deadline.
How many months behind before foreclosure starts in Colorado?
Usually more than four months of missed payments. A federal rule keeps your mortgage company from filing before then on most loans on the home you live in, with a few exceptions, such as a sale of the home without the lender's OK. Some state notices that are only mailed to you can come during that wait.
Is Colorado a judicial foreclosure state?
No. Colorado uses a Public Trustee foreclosure system — a county official (the Public Trustee) conducts the foreclosure sale rather than a private trustee or sheriff. Residential mortgage foreclosures proceed as public trustee sales under C.R.S. § 38-38-101 et seq., using the power of sale in a deed of trust. The lender initiates the process by recording a Notice of Election and Demand (NED) with the Public Trustee, who then administers the notice, publication, Rule 120 court authorization, and sale. A critical feature of Colorado's system is Rule 120, Colorado Rules of Civil Procedure: before the Public Trustee can sell the property, the lender must obtain an 'Order Authorizing Sale' from the district court through a streamlined Rule 120 hearing. This is not a full judicial foreclosure — the Rule 120 hearing is limited to whether there is a reasonable probability of a default, the requirements of the Servicemembers Civil Relief Act, whether the moving party is the real party in interest, and whether the status of a loan-modification request bars the sale as a matter of law. It is typically brief (30-45 minutes), decided on affidavits without discovery, and almost always granted. Colorado also allows judicial foreclosure, in which the court enters a decree and the county sheriff conducts the sale. Colorado's non-judicial Public Trustee system is designed to be relatively fast while providing borrowers with important rights: a right to cure by filing a notice of intent to cure at least 15 calendar days before the sale, the Rule 120 procedural check, and a minimum-bid rule for the lender (C.R.S. § 38-38-106(6)).
Can I stop foreclosure once it starts in Colorado?
Often there are still ways to try, though none is guaranteed. You can catch up on what you owe, where Colorado's catch-up rule allows it. You can apply for a loan modification or a pause on payments; send the complete application more than 37 days before any sale date, so the sale has to wait for an answer. You can file for bankruptcy, or sell, including a short sale if your lender approves.
What is the redemption period for a foreclosure in Colorado?
Colorado's rule: no post-sale redemption for the owner after an ordinary mortgage or deed-of-trust foreclosure. Eligible junior lienholders can redeem 15 to 19 business days after the sale, and after an HOA assessment-lien foreclosure the unit owner can redeem between 35 and 180 days after the sale.
Can bankruptcy stop a foreclosure in Colorado?
It usually pauses one. Filing creates an automatic stay that stops most collection, a foreclosure sale included, while it lasts. The stay has exceptions, and for someone who had a case dismissed in the past year it can last only 30 days or not start at all. A Chapter 13 plan can let you catch up on missed payments over three to five years.
Can the lender come after me for the leftover balance in Colorado?
In some cases. Colorado limits deficiency judgments. Colorado law lets a lender seek a deficiency after a public trustee sale. The foreclosure statutes we read (C.R.S. title 38, article 38) have no purchase-money bar, no bar for owner-occupied homes and no 90-day deadline for a deficiency suit. One rule limits the lender: it must bid at least its good-faith estimate of the home's fair market value, less unpaid property taxes, senior liens and the estimated costs of holding, marketing and selling the property, though it need not bid more than it is owed. A failure to do that does not undo the sale, but anyone sued for a deficiency can raise it as a defense (C.R.S. 38-38-106(6)). Ask a Colorado attorney how this applies to your loan.
What is the homestead exemption in Colorado?
As Colorado law sets it: $250,000 generally; $350,000 if the home is occupied by an owner, owner's spouse or owner's dependent who is 60 or older or disabled. Colorado raised its homestead exemption through SB 22-086, effective April 7, 2022. The exemption is $250,000 if the home is occupied by an owner or the owner's family, or $350,000 if it is occupied by an owner, an owner's spouse or an owner's dependent who is 60 or older or disabled. The exemption protects equity above existing liens in the home from execution and attachment by creditors, and Colorado residents use the state's exemptions in bankruptcy. It does not stop the deed-of-trust lender from foreclosing: a foreclosure sale under a mortgage or deed of trust that contains a waiver of homestead rights is free of those rights, while one without a waiver is subject to them (C.R.S. § 38-41-212). The home must be occupied as a home by the owner or the owner's family.
What if I have an FHA, VA, or USDA loan in Colorado?
Government-backed loans have their own rules on top of Colorado law. FHA requires a meeting or reasonable efforts to arrange one in covered defaults. Current rules allow approved remote methods; exceptions and timing requirements apply. VA and USDA set their own help options; the forbearance guide and loan modification guide explain each program's options.
How long do I have to move out after a foreclosure sale in Colorado?
After the Public Trustee's confirmation deed is recorded, if the former owner or tenants remain in possession, the new owner must make a written demand for possession and then file a Forcible Entry and Detainer (FED) action in county court under C.R.S. § 13-40-104. The summons sets a court date 7 to 14 days after it is issued (C.R.S. § 13-40-111). If the court rules for the new owner, it issues a judgment for possession. The county sheriff executes the writ of restitution to remove the occupants. Under the federal Protecting Tenants at Foreclosure Act, bona fide tenants receive 90 days' notice before eviction, and a bona fide tenant with a lease can stay until the lease ends, unless the unit is sold to a buyer who will live there.
Is the Homeowner Assistance Fund still available in Colorado?
Generally, no. HAF programs, including the Colorado Homeowner Assistance Fund (Colorado HAF), couldn't commit new money after September 30, 2026 (Treasury). If the program approved you before then, ask it about payments still being processed.
Can I do a short sale to avoid foreclosure in Colorado?
Possibly, with your lender's approval. In Colorado, a deficiency waiver (a release of the remaining balance) can be negotiated as part of a short sale approval. Short sales are available in Colorado and can be an important tool, because the foreclosure statutes do not bar a deficiency. A servicer-negotiated deficiency waiver in the short sale approval letter can release you from the leftover balance. A short sale needs the lender's or servicer's approval and has to close before the public trustee sale; for property that is not agricultural, the initial sale date is 110 to 125 calendar days after the notice of election and demand is recorded. A HUD-approved housing counselor can help plan next steps, and the Colorado Judicial Branch lists the Colorado Foreclosure Hotline, (877) 601-4673, as a foreclosure resource.
Other Colorado laws that can affect homeowners
State laws can change. Each entry links to the cited source and shows when that source was fetched.
A person who is not sender or intended receiver may record a telephone communication with consent of either sender or receiver.
“without the consent of either a sender or a receiver”
Foreclosure laws in another state
The process and the deadlines change at every state line.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Protect yourself from scams
The FTC and CFPB describe these warning signs and the rules behind them:
- Upfront fees for promised relief are a warning sign. Under FTC mortgage-assistance rules, most companies that sell mortgage help cannot charge until a homeowner accepts a written offer from the mortgage company or lender. A separate FTC rule covers debt-relief companies that sell by phone and ties fees to a completed debt arrangement. It bars a fee until at least one debt has been settled or changed, the customer agrees to the arrangement, and the customer has made a payment under it. The FTC describes a narrow exception for lawyers who give help as part of the practice of law and are licensed in the state where the client or dwelling is. The lawyer follows that state's rules for attorneys, and advance fees are placed in a client trust account before services begin under state trust-account rules.
- HUD-approved foreclosure-prevention counseling is free. HUD’s national counselor line is 800-569-4287. The CFPB counselor finder lists agencies and their services. If an organization charges for help described as free HUD counseling, the CFPB finder can verify the agency and its listed services before any payment.
- A request to sign over a deed is a warning sign. The CFPB identifies title-transfer schemes among foreclosure-relief scams. Signing over title can mean losing ownership of the home; a lawyer can explain what a proposed document would do.
- Foreclosure protections depend on timing and the loan. Regulation X generally bars the first foreclosure notice or filing on a principal-residence loan until the borrower is more than 120 days behind, subject to exceptions. A complete assistance application can delay some foreclosure steps, but that depends on when it arrives; it does not necessarily stop every step. The CFPB warns about promises to “save” a home.
Free help in Colorado
Colorado has 19 HUD-approved housing counseling agencies
The 19 whose HUD listing includes foreclosure or mortgage delinquency counseling, one dot per office, as of Nov 4, 2026. The listing below names them all.
- A HUD-approved housing counselor works at a nonprofit agency the U.S. Department of Housing and Urban Development has approved. Foreclosure counseling from one is free, and a counselor can help you talk to your mortgage company. HUD lists 19 approved agencies in Colorado. HUD's line is 800-569-4287.
- Legal aid offices give free legal help to people with low incomes, including answering a foreclosure case. Each office serves set counties; find yours:
- Colorado Legal Services, 303-837-1313: all of Colorado.
- A lawyer referral: the Colorado Bar Association — Find a Lawyer directory can point you to a foreclosure lawyer.
- A complaint about your mortgage company can go to the Colorado Division of Banking (Colorado DORA), the Colorado Attorney General or the federal Consumer Financial Protection Bureau.
HUD-approved housing counselors in Colorado, by city (19)
- Nsc (Naca Counseling Subsidiary) - Denver, Co, Aurora · 303-694-5437 · Website HUD-approved housing counselor · Languages: English, Spanish
- Upper Arkansas Area Council of Governments, Canon City · 719-269-7687 · Website HUD-approved housing counselor
- Community Economic Defense Project Cedp- Colorado Springs, Colorado Springs · 303-276-5705 · Website HUD-approved housing counselor · Languages: English, Spanish
All 19 agencies
- Colorado Housing Assistance Corporation, Denver · 303-572-9445 · Website HUD-approved housing counselor
- Community Economic Defense Project, Denver · 303-276-5705 · Website HUD-approved housing counselor · Languages: English, Spanish
- Denver Housing Authority, Denver · 720-956-3806 HUD-approved housing counselor
- Newsed Cdc, Denver · Website HUD-approved housing counselor · Languages: English, French, Spanish
- Northeast Denver Housing Center, Denver · 303-399-9337 HUD-approved housing counselor
- Southwest Improvement Council, Denver · 303-934-0923 HUD-approved housing counselor
- Colorado Housing and Finance Authority, Denver · 800-877-2432 · Website HUD-approved housing counselor · Languages: English, Spanish
- Community Economic Defense Project -Cedp-Durango, Co, Durango · 303-276-5705 · Website HUD-approved housing counselor · Languages: English, Spanish
- Housing Solutions For the Southwest, Durango · 970-259-1086 · Website HUD-approved housing counselor
- Brothers Redevelopment, Inc., Edgewater · 303-202-6340 · Website HUD-approved housing counselor · Languages: English, Spanish
- Neighbor To Neighbor, Fort Collins · 970-484-7498 · Website HUD-approved housing counselor · Languages: English, Spanish
- Northeast Colorado Housing, Inc., Fort Morgan · 970-542-1221 · Website HUD-approved housing counselor · Languages: English, Spanish
- Housing Resources of Western Colorado, Grand Junction · 970-250-2585 HUD-approved housing counselor
- Douglas County Housing Partnership, Lone Tree · 303-784-7859 · Website HUD-approved housing counselor · Languages: English, Spanish
- Neighborworks Southern Colorado, Pueblo · 719-544-8078 · Website HUD-approved housing counselor
- Community Resources and Housing Development Corporation, Westminster · 303-428-1448 · Website HUD-approved housing counselor · Languages: English, Spanish
Legal aid offices in Colorado (1)
- Colorado Legal Services · 303-837-1313 · Website Legal aid
Listings come from the HUD Housing Counselor API and the Legal Services Corporation grantee list, as of Nov 4, 2026. American Default Research does not endorse or rank any provider. Credit counselors and other kinds of free help are in our help directory.
Sources and method
A summary of foreclosure law and practice in Colorado, read from its laws and the federal servicing rules and checked Mar 10, 2026. It isn't legal advice: your mortgage sets specific terms, and courts and counties vary. For your situation, talk to a HUD-approved counselor, legal aid or a lawyer.
- 12 CFR 1024.41 (Consumer Financial Protection Bureau Regulation X) · You fall behind on payments, at consumerfinance.gov
- C.R.S. §§ 38-38-101, 38-38-102, 38-38-104, 38-38-108: Record notice of election and demand with public trustee, at olls.info
- C.R.C.P. 120; C.R.S. § 38-38-105 · The judge decides the case, at coloradojudicial.gov
- Regulation X, 12 C.F.R. § 1024.39, at consumerfinance.gov
- 11 U.S.C. § 362, the automatic stay, at law.cornell.edu
- Federal Reserve Bank of Philadelphia, Consumer Credit Explorer; data sourced from NY Fed Consumer Credit Panel / Equifax. at philadelphiafed.org
- U.S. Department of Housing and Urban Development · find a housing counselor, at hud.gov
- C.R.S. § 38-38-100.3 et seq. at content.leg.colorado.gov
- C.R.S. § 38-35-109, at leg.colorado.gov
We write with assistance from AI tools. Figures come from the data and sources named on this page.