HOMESY5280 · PORTABLE FILE
BEHIND ON PAYMENTS
Time is the asset. Use it on purpose.START HERE
Call the free Colorado Foreclosure Hotline and open every letter from the servicer before deciding anything about the house.
PROTECT FIRST
- 01Open and keep every servicer and Public Trustee letter
- 02Call the free Colorado Foreclosure Hotline
- 03Write down the sale date if one is set
WORK IN ORDER
FREE HELP
Who helps first, at no cost?
A HUD-approved housing counselor through the Colorado Foreclosure Hotline, 1-877-601-4673, can explain options and talk to the servicer with you.
THE DATES
Where are you on the clock?
Missed payments, the servicer's notices, the filing with the Public Trustee, and the sale date are different moments with different options.
THE OPTIONS
Keep it or sell it?
Catching up, a repayment plan or modification, or a sale that pays the loan and keeps what is left for you. Each has its own deadline.
THE EQUITY
What is left after the loan?
If the house is worth more than what is owed, a sale on your terms before any auction is how that difference stays with you.
BUILD THE FILE