Cure Process

Stopping the Foreclosure Process.

Intent to Cure

  • Once the foreclosure process has started, a property owner, or another lienholder, may stop the process by “curing” the default.  A written Notice of Intent to Cure  must be filed with the Public Trustee’s Office no later than 15 days prior to the scheduled sale date. There is no charge to file.
  • The Intent to Cure form may be faxed to 303-730-0076, emailed to eforeclosures@arapahoegov.com, mailed or hand-delivered to:

Office of the Arapahoe County Public Trustee
1610 West Littleton Blvd., Ste. 150
Littleton, CO 80120

  • The Public Trustee will request the cure figures from the lender.  The cure statement from the lender must be valid for at least 10 days, but no more than 30 days, or the day before the sale, whichever comes first.
  • The lender or their attorney must provide the cure statement within 10 business days after the request or by noon on the 8th calendar day before the sale, whichever is earlier.  the Public Trustee will not take the property to sale unless the cure statement has been received when due, and will continue the sale week to week until the cure statement is received.
  • If the cure statement expires, the property owner may obtain an updated cure statement by filing a new Intent to Cure Form with the Public Trustee’s Office but no later than 15 calendar days before the scheduled sale date..
  • The cure funds must be delivered to the Public Trustee's office by the cure statement expiration date, or by noon Tuesday before the Wednesday sale—whichever comes first.
  • The funds must be in the form of certified funds, cashier’s check, or cash. If the payment is with a cashier's check, it must be payable to the Arapahoe County Public Trustee. If the payment is with cash, a representative from the Public Trustee's office will meet the property owner at the Arapahoe County Treasurer's office to process the payment. The County Treasurer’s Office is located at 5334 S. Prince St., Littleton, CO 80120.
  • Once cured, the foreclosure will be withdrawn by the lender, and the Public Trustee will file the withdrawal notice with the County Clerk and Recorder.

Bankruptcy Filing

If a bankruptcy is filed by the property owner before the scheduled sale date, the lender or their attorney will notify the Public Trustee to put the foreclosure process on hold until the bankruptcy case is resolved.  The current status of any foreclosure may be checked online or call 303-730-0071.