Foreclosure & mortgage help in Denver, Colorado
Missed mortgage payments, a Notice of Default, a sale date on the calendar, or an inherited house in Denver? Vindicator Solutions helps homeowners in Montbello, Green Valley Ranch, Five Points, Park Hill, Capitol Hill, Highland and across Denver 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 Denver
Denver is a city and a county at the same time, so one Public Trustee handles foreclosures for every Denver neighborhood. Many of the homeowners we meet in Denver bought years ago and have built real equity — which is exactly what is at risk at a trustee sale. Rising property taxes and insurance can push an escrow payment up faster than a paycheck, and older homes in neighborhoods like Barnum, Westwood and Globeville can need repairs owners can’t fund. If that is your situation, there are usually more options than you think, as long as you act before the sale date.
How the foreclosure clock works in Denver
Colorado forecloses most homes through the county Public Trustee. In Denver, that is the Denver Public Trustee (part of the Denver Clerk and Recorder). Denver’s Public Trustee is part of the Denver Clerk and Recorder, at 200 W. 14th Ave. Denver foreclosure auctions are held online on Thursdays at 10 a.m.
- 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 →Neighborhoods we serve in Denver
- Montbello
- Green Valley Ranch
- Five Points
- Park Hill
- Capitol Hill
- Highland
- Sunnyside
- Globeville
- Elyria-Swansea
- Westwood
- Barnum
- Harvey Park
- Hampden
- Virginia Village
- Athmar Park
- Ruby Hill
- Mar Lee
- College View
- Central Park
- Baker
- Washington Park
- University Hills
Zip codes we serve in Denver
- 80202
- 80203
- 80204
- 80205
- 80206
- 80207
- 80209
- 80210
- 80211
- 80212
- 80216
- 80218
- 80219
- 80220
- 80222
- 80223
- 80224
- 80230
- 80231
- 80236
- 80237
- 80238
- 80239
- 80246
- 80247
- 80249
Questions from Denver homeowners
Who handles foreclosures in Denver?
The Denver Public Trustee (part of the Denver Clerk and Recorder). It records the Notice of Election and Demand, sets the sale date and runs the sale. Denver’s Public Trustee is part of the Denver Clerk and Recorder, at 200 W. 14th Ave. Denver foreclosure auctions are held online on Thursdays at 10 a.m.
How long do I have before a foreclosure sale in Denver?
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 Denver?
Yes — including Montbello, Green Valley Ranch, Five Points, Park Hill, Capitol Hill, Highland, Sunnyside, Globeville, Elyria-Swansea, Westwood, Barnum, Harvey Park, Hampden, Virginia Village, Athmar Park, Ruby Hill, Mar Lee, College View, Central Park, Baker, Washington Park and University Hills. 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.