Behind on your mortgage, facing foreclosure, or settling a family home? Talk to Jeff today — free and confidential. Call or text (559) 393-1310
Vindicator SolutionsColorado Springs, Colorado
Colorado mortgage, foreclosure & estate real estate help

Behind on your mortgage or settling a family home? You don’t have to figure it out alone.

Local, confidential help for Colorado homeowners, seniors and families. Keep your home or protect your equity. Never an upfront fee.

Call or text (559) 393-1310 See how we can help ↓
  • A real local person, not a call center
  • Family members always welcome

See your options

Step 1 of 3

What’s going on with your home?
Where’s the property?

Don’t have these? Look up your file on your county Public Trustee’s site.

How should Jeff reach you?

Private — we never sell your information. By sending, you agree we may call or text you about your property. See our privacy policy.

Based in Colorado SpringsLocal, in person, door to door
Front Range & beyond12+ Colorado counties served
No upfront feesNot now, not ever
Everything in writingWith your legal right to cancel
Who we help

If your home has become a source of stress, start here.

A couple at their kitchen table reviewing a past-due mortgage notice

Behind on mortgage payments

Catch up, refinance or sell before it becomes a foreclosure.

Talk it through → A house with peeling paint, a damaged roof and a notice taped to the front door

Facing foreclosure

Notice of Default or a sale date? Stop it or keep your equity.

See my options → An older couple sitting together on their front porch

Seniors & their families

Patient help with rising costs, reverse mortgages or a move. Family welcome.

Get patient help → A will, house keys and a family photo on a desk

Estates & inherited homes

We handle the house while your attorney handles probate.

Ask about an estate →
How much time do you have?

Colorado’s foreclosure clock, in plain English

The earlier you act, the more options you keep.

  1. 01

    Missed payments

    The easiest time to fix it.

  2. 02

    Notice of Default recorded

    Public record. The mailers start.

  3. 03

    The window to act

    About four months to catch up, refinance or sell.

  4. 04

    Public trustee sale

    Equity can be lost at auction. Act before this.

Your options

Three honest paths. We’ll help you pick the right one — even if it isn’t us.

Catch up and stay

Bring the loan current, sometimes with a short-term private loan.

Best if your income can carry the payment.

Sell on your terms

As-is, on your timeline. Your equity goes to you, not an auction.

Best if you’re ready to move on or settling an estate.

Free counseling first

Free HUD-approved counselors: Colorado Foreclosure Hotline, 1-877-601-4673.

Best if you want a neutral second opinion.
How it works

Simple, and no pressure

  1. 1

    Tell us your situation

    Two-minute form, or call or text Jeff.

  2. 2

    We run the numbers with you

    Every option, in plain English.

  3. 3

    You decide — with your family if you like

    Nothing happens without your signature. Bring family anytime.

How we help

Example situations we help with

Typical scenarios from the kinds of calls we get across Colorado. These are illustrative examples, not reviews from specific clients.

Example situation · Keeping the home

Behind after a medical leave

Pueblo

We reviewed the equity, connected them with a private lender for a short-term loan to bring the mortgage current, and they stayed in the home.

Example situation · Keeping the home

A Notice of Default after a layoff

Aurora

We walked them through the timeline, helped them file a Notice of Intent to Cure on time, and lined up a second-lien loan that covered the cure amount.

Example situation · Keeping the home

Payment jumped after taxes and insurance

Lakewood

We pointed them to a free HUD-approved counselor to request a repayment plan, and helped them see what a modification could look like.

Example situation · Keeping the home

Military family between assignments

Colorado Springs

We encouraged them to contact their base legal office about Servicemembers Civil Relief Act protections and helped map out options to keep the house as a future rental.

Example situation · Keeping the home

Sale date three weeks away

Thornton

We confirmed the deadlines with the Public Trustee, explained the cure process, and worked quickly with a lender partner on funding to reinstate the loan.

Example situation · Keeping the home

Self-employed income dropped for a season

Greeley

We laid out a plan to catch up with a short-term bailout loan, giving them time to rebuild income without losing years of equity.

Example situation · Keeping the home

Divorce left one income

Castle Rock

We ran the numbers honestly, explored a refinance path, and connected them with a counselor to approach the servicer.

Example situation · Keeping the home

Senior on a fixed income

Pueblo West

We helped the family look into Colorado’s senior property tax exemption and the state’s property tax deferral program, which lowered the monthly strain.

Example situation · Finding resources

Didn’t know about energy assistance

Denver

We pointed them to Colorado’s LEAP energy assistance and weatherization programs, which freed up money for the house payment.

Example situation · Finding resources

A roof leak no one could afford

Westminster

We connected them with a trusted local roofer and talked through funding options so the repair didn’t become a reason to lose the home.

Example situation · Finding resources

Veteran unaware of a tax exemption

Colorado Springs

We pointed them to the application, and the savings helped make the mortgage affordable again.

Example situation · Finding resources

Free counseling before deciding

Fort Collins

We sent them to the free Colorado Foreclosure Hotline first for a neutral opinion, then compared that advice with our options side by side.

Example situation · Finding resources

Reverse mortgage confusion

Arvada

We explained the basics, pointed them to HUD-approved reverse mortgage counseling, and helped them plan next steps.

Example situation · Finding resources

Cleanout and repair crew needed

Englewood

We connected them with reliable local cleanout and handyman crews at fair prices.

Example situation · Moving on

Downsizing after the kids moved out

Littleton

We helped them sell before the sale date, kept their equity in their pocket, and connected them with a rental in a smaller home nearby.

Example situation · Moving on

Moving closer to family

Elizabeth

We bought the property on her timeline, coordinated movers, and helped her find a new place close to family.

Example situation · Moving on

Assisted living transition

Boulder

We worked around the move-in date, recommended a senior move manager, and handled the sale.

Example situation · Moving on

A fresh start after foreclosure risk

Commerce City

We closed before the auction, which protected their credit and equity, and helped them line up a rental for the next chapter.

Example situation · Moving on

Job transfer out of state

Parker

We handled the sale while they moved, so the house didn’t slide into foreclosure after they left.

Example situation · Selling as-is

House needed a full remodel

Pueblo

We made an as-is offer, explained every number, and closed without them spending a dollar on repairs.

Example situation · Selling as-is

Hoarding situation, no judgment

Aurora

We walked through it respectfully, bought it as-is including the contents, and arranged the cleanout ourselves.

Example situation · Selling as-is

Fire and water damage

Loveland

We coordinated with the insurance adjuster, then bought the home as-is on their schedule.

Example situation · Selling as-is

Tenant-occupied rental gone wrong

Colorado Springs

We bought the property with the tenant in place and handled the transition from there.

Example situation · Selling as-is

Listing vs. cash, side by side

Greeley

We showed both paths with real numbers; they chose the option that put the most money in their pocket.

Example situation · Selling as-is

Mountain cabin hard to insure

Evergreen

We explained the realistic market, then bought it as-is so they could move on without new repairs.

Example situation · Estates

Inherited a house with back payments

Lakewood

We referred them to an estate attorney, kept the servicer informed, and bought the home as-is so the estate could close.

Example situation · Estates

No will, no idea where to start

Denver

We referred them to an estate attorney for probate and handled the property side — securing the house, keeping insurance active and preparing it to sell.

Example situation · Estates

Out-of-state heirs

Fountain

We coordinated with their attorney, handled the cleanout and repairs decisions, and managed the sale locally.

Example situation · Estates

Planning ahead with Mom

Longmont

We sat down together, explained keep, rent and sell options, and referred them to an estate planning attorney.

Example situation · Estates

Estate with a reverse mortgage

Pueblo

We helped the heirs understand their timeline, connected them with an attorney, and sold the home in time to keep the remaining equity.

Worked with us? Share your experience →

Jeff Phillips, founder of Vindicator Solutions
A note from the founder

“People in a hard spot with their home get buried in mailers and very few honest conversations. I started Vindicator Solutions to be the straight answer — local, in person, patient, and upfront about every option you have.”

Jeff “JP” Phillips, Founder · Vindicator Solutions LLC Call Jeff directly: (559) 393-1310

Helping homeowners across Colorado

Pick your county for local foreclosure details — or see every area we serve.

City guides: Colorado Springs · Aurora · Pueblo · Fort Collins · Greeley · Lakewood · Thornton · Castle Rock

Free guides

Know where you stand

Plain-English answers to the questions Colorado homeowners ask most.

What a Notice of Default means in Colorado

Read the guide →

Colorado’s foreclosure timeline, step by step

Read the guide →

Missed a mortgage payment? What to do now

Read the guide →

Can you stop a foreclosure sale in Colorado?

Read the guide →

Inherited a house in Colorado?

Read the guide →

Chapter 13 bankruptcy and foreclosure

Read the guide →

Chapter 7 vs. Chapter 13 for homeowners

Read the guide →

Watch Jeff’s videos

Videos →

Straight answers

Does talking to you cost anything?

No. The conversation is free, and we never charge upfront fees.

My sale date is already set. Is it too late?

Often not — but time matters. Call rather than fill out the form so we can move quickly.

Will you lowball me?

We show you our numbers side by side with your other options, including listing with an agent. You decide.

Do I have to move out?

Not if catching up is realistic for you. If you sell, we work around your moving timeline.

I inherited a house. Can you help?

Yes — even mid-probate, with back payments, liens or repairs. We handle the property side and work alongside the estate’s attorney.

I’m helping an aging parent. Where do we start?

A no-pressure conversation with everyone who should be in it. We’ll map out keeping, renting or selling the home, and never rush a decision.

Is my information private?

Yes. We never sell or share your information with marketers.

Are you a lender or a law firm?

Neither. We’re a real estate company that works with private lenders. For wills, trusts and legal advice we’ll gladly point you to an estate attorney — and we encourage it.

For investors

Learn pre-foreclosure the right way

One-on-one mentorship: sourcing from public filings, running the numbers, working with homeowners ethically — and doing deals together on a JV basis.

Apply for mentorship
For private lenders

Partner on secured Colorado deals

We bring vetted, equity-rich opportunities — second liens, bailout loans and acquisitions — backed by Colorado real estate.

Become a capital partner
For borrowers

Need private money?

Short-term private loans secured by Colorado real estate, available when the property has 50% equity or more (no more than 50% loan-to-value).

Request private money

The sooner we talk, the more options you keep.

Call or text (559) 393-1310 Get my options online
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