How long does a Denver foreclosure take?

Colorado non-judicial foreclosures take 110-125 days from Notice of Election and Demand to sale in Denver County. The process includes a mandatory Rule 120 hearing in Denver District Court where the lender must prove they have the right to foreclose.

What is a Colorado Rule 120 hearing?

Colorado Rule 120 is a mandatory court hearing in Denver District Court where a judge determines whether the lender has the right to foreclose. The lender must prove standing, proper notice, and a valid debt. This hearing provides a critical opportunity to challenge the foreclosure and raise defenses.

Which court handles Denver foreclosure cases?

Denver District Court handles Rule 120 hearings and civil foreclosure lawsuits. The main courthouse is the Lindsey-Flanigan Courthouse at 520 W Colfax Ave, Denver, CO 80204. The Public Trustee's office handles the administrative sale process.

Does Colorado have a right of redemption after foreclosure?

Colorado has a 75-day post-sale redemption period for owner-occupied residential property. However, the lender can reduce this to as little as 45 days. During redemption you must pay the full purchase price plus costs. Pre-sale defense is a better strategy.

What does Denver foreclosure defense cost?

Our document preparation costs a fraction of attorney fees. You represent yourself pro se at the Denver District Court Rule 120 hearing. Every case starts with a free consultation. Call 323-813-4113.

Denver Homeowners

Denver Foreclosure Defense
Document Preparation

Facing foreclosure in Denver? CO is non-judicial with a mandatory Rule 120 hearing in Denver District Court. 110-125 day timeline. C.R.S. § 38-38 requires strict notice compliance. We prepare court-ready documents for Denver homeowners in Denver District Court at 1437 Bannock St.

Get Free Case Review Call 323-813-4113

Denver District Court

1437 Bannock St

110-125 Day Timeline

Rule 120 hearing required

Denver Clerk & Recorder

NOD/NTS recording research

Pro Se Document Prep

You represent yourself — we prepare

Denver Foreclosure Process

How Foreclosure Works in Denver County

CO non-judicial under C.R.S. § 38-38. Unique Rule 120 hearing in Denver District Court is required to authorize sale — this is your opportunity to be heard. 110-125 day total timeline. No post-sale redemption. File objections at the Rule 120 hearing before the auction.

CO Non-Judicial Timeline

1

Notice of Election & Demand (NED)

Filed with Denver Clerk & Recorder. Starts the 110-125 day clock.

2

Rule 120 Hearing — Denver District Court

Mandatory court hearing. Opportunity to object and be heard. Critical defense moment.

3

Public Trustee Auction

No post-sale redemption. File objections at Rule 120 hearing BEFORE auction.

File objections at Rule 120 hearing in Denver District Court, 1437 Bannock St, Denver, CO 80202.

CO Homeowner Protections

Rule 120 Hearing: Mandatory court hearing. Right to be heard and object.
Strict Notice: C.R.S. § 38-38 requires combined notice. Defects = defense.
Public Trustee Oversight: Foreclosure conducted through public trustee, not private.
Right to Cure: 15 days before sale to cure default and reinstate.

Related Resources

CO Guide Non-Judicial NOD Guide Contact

Denver FAQ

Denver Foreclosure FAQs

Act Now — Object at Rule 120 Hearing

Facing Foreclosure in Denver?
Get a Free Case Review Today

The Rule 120 hearing is your day in court — don't miss it. Free consultation. No obligation.

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Denver Foreclosure DefenseDocument Preparation