Dream Legal Solutions helps homeowners in El Paso County, Colorado, including Colorado Springs and surrounding communities, 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 Rule 120 hearing and sale.
Public Trustee
Non-judicial process
Rule 120 Hearing
Sale-authorization hearing
110–125 Days
Saved-source NED-to-sale timeline
Document Prep
Pro se foreclosure defense
Rush response within 24 hours
Act Early
In Colorado's non-judicial process, the timeline runs from the Notice of Election and Demand through the Rule 120 hearing and the public trustee sale. Understanding these stages can help you stay organized and act while the right to cure is available.
The lender files the NED with the county public trustee, and a Combined Notice is sent to you. This starts the roughly 110–125 day process with a 75-day right to cure referenced in the saved source.
A Rule 120 proceeding in Colorado District Court determines whether the lender gets an Order Authorizing Sale. A statutory right to cure under C.R.S. § 38-38-104 requires filing a notice of intent to cure with the public trustee.
Under C.R.S. § 38-38-104, the right to cure must be exercised by filing a notice of intent to cure with the public trustee at least 15 days before the scheduled sale date. Preparing documents earlier in the process gives you more room to review your options. Acting early can make it easier to stay organized.
Colorado Process
Colorado generally uses non-judicial foreclosure through the county public trustee under the power of sale in a deed of trust, with a Rule 120 court proceeding before the sale.
After missed payments, contact your servicer early about loss mitigation or a loan modification before the NED is filed.
The lender files the NED with the public trustee and a Combined Notice is sent to you, starting the roughly 110–125 day process.
Under C.R.S. § 38-38-104 you may have a right to cure the arrears by filing a notice of intent to cure with the public trustee before the cure deadline.
The lender files a motion in Colorado District Court for an Order Authorizing Sale under C.R.C.P. 120. A hearing is set.
At this limited proceeding, the court determines whether there is a reasonable probability of default. You may file objections and respond under C.R.C.P. 120(d).
If the court authorizes the sale, the public trustee then publishes notice of sale for 5 consecutive weeks.
The public trustee conducts a public auction, typically 45–60 days after the Rule 120 order in the saved source.
After the sale, the ownership transfers to the highest bidder. Saved source notes Colorado does not provide a statutory post-sale redemption.
Once the sale is completed, a separate eviction (Forcible Entry and Detainer) may follow. Options after this point are limited.
Review every notice carefully and, if litigation or a TRO is part of your plan, consult a licensed Colorado attorney. We are a document preparation service, not a law firm.
Local Resources
These county-level resources can support you while you work through the Colorado non-judicial process. We are a document preparation service, not a law firm.
Note: These resources are provided for general reference. Your specific county offices, hearing venue, and sale location depend on your own case and the notices you receive. Your situation may benefit from a licensed attorney or housing counselor.
Paperwork Preparation
Organizing your paperwork ahead of time helps us respond to your questions and prepare documents more efficiently. Bring or send copies of anything you have.
If you are exploring the right to cure, you may request a cure statement from the public trustee detailing the exact amount needed. Keep your NED, notices, and payment records together.
Common Questions
Disclaimer: This page is provided for general informational purposes and does not constitute legal advice. We are a document preparation service and are not a law firm. Laws can change and every situation is different. For answers about your specific case, consult a licensed Colorado attorney or a qualified housing counselor. Foreclosure timelines and statutory rules are summarized only and are not a substitute for professional guidance.
Reach out today and we'll help you organize your Colorado foreclosure-related documents before the Rule 120 hearing and sale.