Foreclosure & mortgage help in Adams County, Colorado
Missed mortgage payments, a Notice of Default, a sale date on the calendar, or an inherited house in Adams County? Vindicator Solutions helps homeowners in Thornton, Westminster, Commerce City, Brighton, Northglenn, Federal Heights and across Adams County protect their equity — free, confidential, and never an upfront fee.
- A real local person, not a call center
- Family members always welcome
See your options
Step 1 of 3Helping homeowners in Adams County
Adams County has some of the fastest-growing neighborhoods in the metro — Thornton, Brighton and Commerce City especially — and a lot of newer homeowners. Newer loans can mean thinner equity, which changes which options make sense, so it pays to look at the numbers early. We also help owners in established areas of Westminster, Northglenn and Federal Heights, and on rural acreage out toward Bennett and Strasburg.
How the foreclosure clock works in Adams County
Colorado forecloses most homes through the county Public Trustee. In Adams County, that is the Adams County Public Trustee (Treasurer & Public Trustee’s office). Foreclosures in Adams County are handled by the Public Trustee division of the Adams County Treasurer & Public Trustee’s office in Brighton.
- Notice of Election and Demand. The lender files it with the Public Trustee — this is the “Notice of Default” that makes the foreclosure public.
- Sale date set. For most homes the sale is scheduled 110 to 125 days after recording (215 to 230 days for agricultural property).
- Court order. The lender must get a court order authorizing the sale (a Rule 120 hearing) before it can happen.
- Your cure deadline. File a Notice of Intent to Cure at least 15 calendar days before the sale and pay by noon the day before.
Dates can move when sales are postponed, so always confirm your file with the Public Trustee. See the full Colorado foreclosure timeline →
Whatever brought you here, start with a free, honest conversation.
Behind on payments
Job loss, medical bills, divorce or a payment that jumped. We look at catching up, a private loan, or a sale — before it becomes a foreclosure.
Talk it through →Notice of Default or sale date
Bailout and second-lien loans through our lender partners, or a sale that keeps your equity yours.
See my options →Seniors & families
Fixed income, a reverse mortgage, rising taxes, or a move to assisted living. We go slowly and welcome family to the table.
Get patient help →Inherited homes
Back payments, liens or repairs on an inherited house — we handle the property side alongside your estate attorney.
Ask about an estate →Cities and towns we serve in Adams County
- Thornton
- Westminster
- Commerce City
- Brighton
- Northglenn
- Federal Heights
- Aurora
- Bennett
- Strasburg
- Watkins
- Henderson
Zip codes we serve in Adams County
- 80010
- 80011
- 80019
- 80022
- 80024
- 80030
- 80031
- 80102
- 80136
- 80137
- 80221
- 80229
- 80233
- 80234
- 80241
- 80260
- 80601
- 80602
- 80603
- 80640
Questions from Adams County homeowners
Who handles foreclosures in Adams County?
The Adams County Public Trustee (Treasurer & Public Trustee’s office). It records the Notice of Election and Demand, sets the sale date and runs the sale. Foreclosures in Adams County are handled by the Public Trustee division of the Adams County Treasurer & Public Trustee’s office in Brighton.
How long do I have before a foreclosure sale in Adams County?
For most homes the sale is set 110 to 125 days after the Notice of Election and Demand is recorded (215 to 230 days for agricultural property). To stop it by curing, file a Notice of Intent to Cure at least 15 calendar days before the sale and pay by noon the day before.
Do you work everywhere in Adams County?
Yes — including Thornton, Westminster, Commerce City, Brighton, Northglenn, Federal Heights, Aurora, Bennett, Strasburg, Watkins and Henderson. If you don’t see your area, call anyway.
Does talking to you cost anything?
No. The conversation is free and confidential, and we never charge upfront fees.
Free, neutral counseling: Colorado Foreclosure Hotline, 1-877-601-4673. More reading: what a Notice of Default means · how to stop a foreclosure sale.