However you got here, you decide what's next

Protecting yourself

Bracing for how a short sale hurts your credit

It hurts about as much as foreclosure does, but it does not last forever.

→ Understanding it

Curious what a public trustee is in Colorado

A referee, not a rescuer or predator. The neutral office built into every Colorado home loan.

→ Protecting yourself

Unsure what a deficiency judgment is

The debt can follow you out, but there is a real finish line.

→ Understanding it

Jolted by a notice of default and what to do

A warning, not the endgame. What the letter means and what comes next.

→ Understanding it

Bracing to learn how a foreclosure auction works

Who runs it, who can bid, and what can survive the auction.

→ Understanding it

Hoping the right of redemption undoes the sale

The legal name for a second chance, and where Colorado actually keeps yours.

→ Understanding it

Confused by judicial vs nonjudicial foreclosure

Two systems. Which one is aimed at your house, and why?

→ Understanding it

Dreading missed payments: How many to foreclosure?

The law counts days, not payments. The edge is farther than you fear.

→ Selling as a way out

Considering selling, hoping to rent back my home

The options and legal support to help you rent back your home.

→ Keeping your home

Wondering how to save your house from foreclosure

The real levers that stop a foreclosure are closer than you think

→ Keeping your home

Falling behind on mortgage payments and scared

The map of what to do the moment payments start slipping

→ Understanding it

Unsure about how a short sale works?

Every step explained, from the hardship letter to the leftover debt.

→ Selling as a way out

Tired: can I give my house back to the bank

Handing it back is real. Let's make sure it’s best for you.

→ Selling as a way out

Afraid you can't sell for less than you owe

A guide of everything you need to know when selling underwater

→ Selling as a way out

Anxious you can’t sell before foreclosure

A clear declaration of when you can and when you cannot sell

→ Selling as a way out

In foreclosure: unsure how to sell the right way

A walkthrough of the major items you need to get this done

→ Understanding it

Worried foreclosure will ruin your credit

Seven years, but the clock started earlier and recovery starts sooner.

→ Understanding it

Hesitant to know: pre-foreclosure vs foreclosure

The difference between the two, and why it changes your timeline.

→ Understanding it

Uneasy about a Rule 120 hearing: what it means

What that court notice actually is, and the narrow things it decides.

→ Understanding it

Credit bid: the term nobody explained to you

Why you might still owe money after the auction, in plain words.

→ Understanding it

You don't have to navigate foreclosure alone

A calm walkthrough of the whole process, start to finish.

→ Keeping your home

The worry it's too late to stop your foreclosure

Every deadline, walked backward from the sale date.

→ Protecting yourself

You deserve to know if a home offer is fair

How to tell a real offer from a lowball before you sign.

→ Protecting yourself

Wronged by foreclosure scams: how to spot them

The common traps, and how to catch someone taking advantage.

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