Foreclosure & mortgage help in El Paso County, Colorado
Missed mortgage payments, a Notice of Default, a sale date on the calendar, or an inherited house in El Paso County? Vindicator Solutions helps homeowners in Colorado Springs, Fountain, Security-Widefield, Monument, Palmer Lake, Manitou Springs and across El Paso 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 El Paso County
El Paso County is home base for Vindicator Solutions. A lot of the families we talk with here are military or recently out of the military — Fort Carson, Peterson, Schriever and the Air Force Academy all sit in the county — and a PCS move, deployment or change in income can put a mortgage behind fast. If you are on active duty, the Servicemembers Civil Relief Act may give you extra foreclosure protections, so tell your servicer and talk with your base legal office (JAG). We also work with long-time Colorado Springs owners on fixed incomes, and with families settling a parent’s home in older neighborhoods like the Westside and Knob Hill.
How the foreclosure clock works in El Paso County
Colorado forecloses most homes through the county Public Trustee. In El Paso County, that is the El Paso County Public Trustee (run by the County Treasurer’s office). The El Paso County Public Trustee’s office is at the Citizens Service Center, 1675 W. Garden of the Gods Road, Suite 2100, in Colorado Springs.
- 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 El Paso County
- Colorado Springs
- Fountain
- Security-Widefield
- Monument
- Palmer Lake
- Manitou Springs
- Falcon
- Peyton
- Black Forest
- Cimarron Hills
- Calhan
- Ellicott
Zip codes we serve in El Paso County
- 80132
- 80133
- 80808
- 80809
- 80817
- 80819
- 80829
- 80831
- 80832
- 80833
- 80840
- 80864
- 80903
- 80904
- 80905
- 80906
- 80907
- 80908
- 80909
- 80910
- 80911
- 80913
- 80915
- 80916
- 80917
- 80918
- 80919
- 80920
- 80921
- 80922
- 80923
- 80924
- 80925
- 80926
- 80927
- 80928
- 80929
- 80930
- 80938
- 80939
- 80951
Questions from El Paso County homeowners
Who handles foreclosures in El Paso County?
The El Paso County Public Trustee (run by the County Treasurer’s office). It records the Notice of Election and Demand, sets the sale date and runs the sale. The El Paso County Public Trustee’s office is at the Citizens Service Center, 1675 W. Garden of the Gods Road, Suite 2100, in Colorado Springs.
How long do I have before a foreclosure sale in El Paso 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 El Paso County?
Yes — including Colorado Springs, Fountain, Security-Widefield, Monument, Palmer Lake, Manitou Springs, Falcon, Peyton, Black Forest, Cimarron Hills, Calhan and Ellicott. 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.