Foreclosure Litigation in Colorado

What it means in Colorado:
Foreclosure in Colorado is primarily handled through a public trustee foreclosure system, rather than traditional judicial foreclosure.

Key points:

• Colorado is primarily a non-judicial foreclosure state
• Most foreclosures are conducted through the county public trustee
• Court involvement is limited compared to judicial foreclosure states

Colorado-specific considerations:

• Lenders typically proceed under a Rule 120 proceeding, which allows a court to authorize the sale
• Rule 120 hearings are limited in scope and do not decide all borrower defences
• Borrowers may challenge certain aspects of the foreclosure, but the process moves quickly
• Judicial foreclosure may still occur in limited circumstances
• Deficiency judgments may be available depending on the foreclosure method used