Dream Legal Solutions helps homeowners in Arapahoe County communities, including portions of Aurora, Centennial, Littleton, and Englewood, obtain document preparation for the Colorado non-judicial Public Trustee foreclosure process. We help review the documents you receive so you can respond before the sale.
Public Trustee
Non-judicial process
Rule 120 Hearing
Limited sale-authorization
110–125 Days
Saved-source NED-to-sale timeline
Document Prep
Pro se foreclosure defense
Rush response within 24 hours
Colorado's Public Trustee foreclosure process moves on a defined timeline. In Dream Legal's saved Colorado sources, the overall process is approximately 110–125 days from the Notice of Election and Demand (NED) to the foreclosure sale. That window is where your review and response must happen.
The lender files a Notice of Election and Demand with the Public Trustee. A Combined Notice is sent to the homeowner. This begins the Colorado non-judicial process under the deed of trust's power of sale.
Before the Public Trustee may conduct the sale, the lender must obtain an Order Authorizing Sale through a Rule 120 proceeding in District Court. The homeowner may file written objections and respond under C.R.C.P. 120(d).
Colorado does not give you a single foreclosure Answer form. Because the process is non-judicial, full affirmative defenses may require a separate civil action in District Court. A TRO or injunction may be considered where appropriate. Assemble your documents and act early.
Important: Dream Legal's saved Colorado sources describe different potential timings for the Rule 120 hearing and different cure-period references. Do not rely on a single universal deadline — review the actual Rule 120 notice and Public Trustee notices you receive and file any objections before the hearing date stated in your case.
Colorado generally uses a non-judicial Public Trustee foreclosure process, but before the sale the lender must obtain an Order Authorizing Sale through a Rule 120 proceeding in District Court. Rule 120 is a limited sale-authorization hearing rather than a full foreclosure lawsuit, and Colorado's saved sources do not establish a single universal foreclosure Answer deadline.
A homeowner falls behind on payments, triggering a default under the deed of trust / promissory note.
The lender elects to foreclose under the power of sale in the deed of trust through the county Public Trustee.
The lender files a Notice of Election and Demand with the Public Trustee. This officially begins the process.
The homeowner receives a Combined Notice with details of the default, amounts, and the foreclosure process.
The lender files a Rule 120 motion seeking an Order Authorizing Sale in District Court.
The homeowner may file written objections and respond under C.R.C.P. 120(d). Review the actual hearing notice and file before the stated hearing date.
The court determines whether there is a reasonable probability of default / whether the lender has the right to foreclose.
If the court authorizes the sale, an Order Authorizing Sale is issued. Rule 120 is a limited sale-authorization proceeding, not a full foreclosure trial.
The Public Trustee publishes notice of the sale for five consecutive weeks.
The Public Trustee conducts the foreclosure sale at auction. In saved Colorado sources, the sale typically takes place 45–60 days after the Rule 120 order, within an overall process of roughly 110–125 days from the NED.
Review every notice you receive, including the NED, Combined Notice, and Rule 120 notice. Because full defenses generally require a separate civil action, consult with a qualified Colorado attorney about whether a TRO or injunction is appropriate in your situation. Dream Legal Solutions prepares documents for pro se use — we are not a law firm and do not provide legal advice.
Dream Legal Solutions offers document preparation for homeowners in Arapahoe County communities including Littleton, and portions of Aurora, Centennial, and Englewood. Some of these cities cross county lines, so if the property securing your loan is located outside Arapahoe County, use the Colorado resource that matches your specific foreclosure location.
Arapahoe County, Colorado (Denver south metro). Homeowners across the county face the same state-level Public Trustee and Rule 120 process.
7325 S Potomac St
Centennial, CO 80112
(303) 649-6355
Mon–Fri
8:00 AM–5:00 PM
This is the District Court where Rule 120 proceedings occur for Arapahoe County. Dream Legal is not affiliated with the court.
Non-judicial. The Rule 120 proceeding is the limited sale-authorization hearing before the Public Trustee sale, with C.R.C.P. 120(d) objections available.
We prepare and review documents for homeowners facing foreclosure. We do not guarantee results, and we are a document preparation service — not a law firm.
NED, Combined Notice, Rule 120 notice, and sale notices.
Power of sale, assignment, and authority review.
C.R.C.P. 120(d) objection/response review before the hearing date.
Review of the Order and publication notices.
Arrears dispute and RESPA servicing review where applicable.
Loan modification, repayment/workout, and forbearance reviews.
Cure/reinstatement document review per your Public Trustee notices.
Separate District Court action, TRO, and injunction review.
Qualified review of potential deficiency exposure.
Review of redemption rules due to conflicting Colorado guidance.
Dream Legal's saved Colorado sources contain differing cure-period descriptions (including a 15-day notice-of-intent-to-cure reference and a separate 75-day cure reference) and inconsistent post-sale redemption guidance. Homeowners should review the actual Public Trustee notices and applicable instructions in their own case rather than relying on one universal deadline or rule.
Reviewing the documents tied to your loan and the Colorado Public Trustee process helps you understand what has happened and what may come next. Assemble these materials early.
Tip: If you are unsure which documents apply, bring everything related to your mortgage and any foreclosure notices. A complete record helps you review your situation and prepare a response ahead of the Rule 120 hearing date in your case.
Colorado generally uses non-judicial foreclosure through the county Public Trustee under the power of sale in a deed of trust. Before the sale, the lender must obtain an Order Authorizing Sale through a limited Rule 120 proceeding in District Court.
The NED is the notice the lender files with the Public Trustee that begins the Colorado non-judicial foreclosure process. A Combined Notice is sent to the homeowner. Review both carefully.
A Rule 120 proceeding is a limited court proceeding in Colorado District Court where the lender seeks an Order Authorizing Sale. The court determines whether the lender has the right to foreclose. It is a sale-authorization hearing, not a full foreclosure lawsuit.
Because Colorado's process is non-judicial, Colorado does not give you a single foreclosure Answer form. You can raise objections in the Rule 120 proceeding, and full affirmative defenses may require a separate civil action in District Court.
Yes. You may file written objections and respond under C.R.C.P. 120(d). Review the actual Rule 120 notice and file any objections before the hearing date stated in your case.
In Dream Legal's saved Colorado sources, the overall process is approximately 110–125 days from the NED to the sale, with the sale typically 45–60 days after the Rule 120 order. Timing can vary based on your specific case.
Dream Legal's saved Colorado sources contain differing cure-period descriptions, including a 15-day notice-of-intent-to-cure reference and a separate 75-day cure reference. Review the actual Public Trustee notices and applicable cure instructions in your own case rather than relying on a single universal deadline.
Because the process is non-judicial, full affirmative defenses generally require a separate civil action in District Court. In urgent situations a TRO or injunction may be considered. Consult a qualified Colorado attorney about whether this is appropriate for your case.
Dream Legal's saved Colorado sources contain inconsistent post-sale redemption guidance. One dedicated source states Colorado does not provide a statutory post-sale redemption period after a Public Trustee sale, while other saved sections describe limited redemption rights or a 75-day period in some circumstances. Confirm the rule that applies to your specific foreclosure and property.
Colorado generally prohibits deficiency judgments after non-judicial foreclosure of purchase-money loans on owner-occupied residential property. This protection does not apply to all loan types, so confirm the specific facts of your loan.
Get a free, confidential case review with Dream Legal Solutions. We prepare foreclosure defense documents for pro se use in Denver's south metro.
Disclaimer: Dream Legal Solutions is a document preparation service, not a law firm. We do not provide legal advice, legal representation, or attorney services. Our documents are prepared for pro se use. Colorado law changes over time and each case is unique — consult a qualified Colorado attorney for legal advice about your specific foreclosure. Nothing on this page is legal advice.