Foreclosures

Housing Resources of Western Colorado is a separate office not associated with the Public Trustee office. It now offers housing counseling services. You may reach the housing counselor at: (970) 773-9744.

Emergency Mortgage Assistance Program is a state resource that helps struggling homeowners with costs associated with homeownership. 

The Community Economic Defense Project works with the State of Colorado's Division of Housing to provide financial assistance to homeowners who are at risk of foreclosure, this assistance is funded though the United States Treasury Department's Homeowner Assistance Funds.

Notice to owner in foreclosure:

If your property goes to foreclosure auction sale and is purchased for more than the total owed to the lender and to all other lien holders, please contact the public trustee's office after the sale because you may have funds due to you.

Before a property goes to sale, the foreclosure can be cured by bringing the payments current, if the reason for the default was failure to pay according to the promissory note. An intent to cure form must be filed with the Public Trustee's Office (there is no cost to file) at least 15 days before the sale is scheduled. The amount necessary to cure a foreclosure is determined by the lender. The money must be received by the Public Trustee's Office by noon the day before the sale.

If the borrower believes that a lender or servicer has violated the requirements for a single point of contact in section 38-38-103.1 or the prohibition on dual tracking in section 38-38-103.2, the borrower may file a complaint with the Colorado Attorney General, the federal consumer financial protection bureau (CFPB), or both. The filing of a complaint will not stop the foreclosure process.