If you are struggling with mortgage payments or have received a default, foreclosure, or tax-related notice, start with the actual notice and the appropriate professional or official office. Time limits and available options depend on your situation. This page is general information, not a determination of your rights or a substitute for advice from a Colorado-qualified attorney.
The Consumer Financial Protection Bureau recommends contacting your mortgage servicer promptly when you cannot pay or expect to miss a payment. Use the contact information on your statement or the servicer’s official website. Ask what assistance may be available, which documents are required, and how to submit and track an application.
A HUD-approved housing counselor can help you understand available assistance and work with your servicer. If foreclosure is imminent or you have received legal papers, contact an attorney promptly. Do not assume that making an inquiry, requesting help, listing the home, or submitting a complaint stops a deadline or sale.
The San Miguel County Public Trustee provides information about deeds-of-trust foreclosure proceedings and official records. Its staff cannot give legal advice. Property-tax questions belong with the Treasurer; other liens or court papers may require a different office and legal review. Use the notice’s case or account information when asking where to obtain the official record.
If you and your advisers are considering a sale, Mountain Rose Realty can discuss a property-specific marketing plan, comparable sales, and an estimated sale timeline. A sale-price or proceeds estimate does not guarantee lender approval, debt forgiveness, protection of credit, or a completed sale before a deadline. Obtain current payoff information and professional guidance on the transaction.
Contact Anne-Britt Ostlund at Mountain Rose Realty about sale planning. For immediate mortgage assistance, legal papers, or a scheduled sale, use the servicer, counselor, attorney, and official county contacts above.
This article previously promoted a distressed-property brochure containing outdated programme references and generalized legal and financial statements. That download is no longer promoted here. Use the current official resources linked above and advice specific to your case.