Colorado uses non-judicial foreclosure with a unique Rule 120 hearing process. 110-125 day timeline. Instead of an Answer, file a civil lawsuit in CO District Court.
Colorado uses non-judicial foreclosure under C.R.S. § 38-38-101 with a unique Rule 120 hearing before the sale. NOD + 110 days + NTS + publication. You must file a civil lawsuit to stop the sale.
Rule 120 Hearing — Respond
The lender must get court authorization through a Rule 120 hearing. You receive notice and can respond. This is your chance to challenge the foreclosure order.
File Independent Lawsuit in District Court
Even if Rule 120 is granted, file a separate civil action in the District Court. Filing fee: $225-$400.
| Type | Non-Judicial (C.R.S. § 38-38-101) |
| NOD Period | 110 days minimum |
| Rule 120 | Court hearing required before sale |
| Court | CO District Court |
| Filing Fee | $225-$400 |