Colorado uses a unique non-judicial foreclosure with a mandatory Rule 120 court hearing. Denver homeowners have a court review before the sale — giving you an opportunity to raise defenses. Dream Financial Management provides Denver foreclosure assistance since 1994.
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Colorado's unique foreclosure process gives you a mandatory court hearing and a 75-day redemption period — powerful opportunities most states don't offer.
CO non-judicial foreclosure with court hearing
Mandatory court hearing — you can raise defenses
Redemption period after sale (owner-occupied)
CO requires a court hearing (Rule 120) before the foreclosure sale can proceed — even though it's non-judicial. The lender must prove they have the right to foreclose. You can raise defenses including improper notice, loan modification pending review, RESPA/TILA violations, or standing issues.
After the foreclosure sale, CO gives owner-occupants 75 days to redeem (pay the sale price and keep the home). This is a powerful last-chance option if you can secure financing or sell the property during this window.
Raise procedural defenses and challenge lender standing at your mandatory court hearing.
Use the 150-day timeline and Rule 120 hearing to negotiate affordable terms.
Use the 75-day redemption window after sale to pay back and keep your home.
With Denver's strong real estate market, a short sale can protect your credit and equity.