Beginning the Foreclosure Process

Starting a Foreclosure

After the Office of the Public Trustee receives the required documentation from the foreclosing party or their legal advisor, a Notice of Election and Demand is recorded in the County Real Estate Records, and the foreclosure Notices are mailed to all parties as required by law. See requirements: Required documents by the Foreclosing Attorney.

The combined Notice, which establishes the time and place of sale, is published for five consecutive weeks. Currently, foreclosures are published in the Canyon Courier, Golden Transcript, High Timber Times and the Wheat Ridge Transcript. It is important to note that the homeowner is still the owner of the property thru the sale and is the only one who can allow access, sell or transfer title to the property.

Foreclosure sales currently being continued can be tracked using the Jefferson County Public Trustee's online search at: http://gts.co.jefferson.co.us/.

The Public Trustee has used all reasonable efforts to ensure that the pages and other information on this Web site do not contain any inaccurate or out of date information. However, we can make no guarantee or warranties as to the accuracy or the timeliness of the data. If you believe any material contained in this web page is inaccurate, please call 303-271-8580.

Foreclosure documents are public records and are recorded with the Clerk and Recorder. Even though you may have cured your default or the foreclosure action has otherwise been withdrawn, the records remain permanently available to the public for viewing.

NOTE: How a foreclosure is processed is affected by when the Notice of Election and Demand was recorded by the Jefferson County Clerk & Recorder to start the foreclosure action. For files where the Notice of Election and Demand was recorded prior to 01/01/2008 speak to a member of the Public Trustee staff for further details.

Bankruptcy

When a bankruptcy is filed, the bankruptcy court will issue a court order that prevents any creditor from attempting to collect any debt from the person who declared bankruptcy. Creditors, even though they are owed money, may not undertake foreclosure, repossession, eviction or seizure.
A bankruptcy filing by the owner of the property stops the foreclosure sale until one of the following occurs:

The automatic stay is lifted.
The bankruptcy court abandons the property.
The bankruptcy case is dismissed or closed.

The Bankruptcy can affect the foreclosure in different ways depending on the date and time of the filing of the bankruptcy, and where the foreclosure is in the process.

What's Next?

Go on to the next stage of the foreclosure process by selecting it from the timeline from the foreclosure process page or click this Foreclosure Process link.

Last Modified: Apr 7, 2011 12:43 PM