Subject: Urgent Inquiry Regarding Foreclosure Notice Non-Delivery in Colorado Dear [Foreclosure Attorney's Name], I hope this letter finds you well. My name is [Your Name], and I am writing to you with utmost urgency and concern regarding a recent foreclosure that occurred on my property, [Property Address], of which I was not given prior notice. Upon discovering that my property had been foreclosed, I was shocked to learn that I was not served with any notification or warning about the impending action. As a result, I am now faced with significant losses and an uncertain future. I humbly request your assistance in addressing this serious matter. I understand that the legal process of foreclosure is highly regulated, and Colorado law requires the lender to provide homeowners with specific notices before initiating foreclosure proceedings. It is my belief that, due to unforeseen circumstances or an oversight, I did not receive any of these critical notices. The documents that should have been sent include, but may not be limited to: 1. Notice of Intent to File for Foreclosure: This notice should have informed me of the lender's intention to initiate the foreclosure process, allowing me a chance to address any outstanding debt or request a loan modification or alternative repayment options. 2. Demand Letter: This correspondence should have provided a formal written demand for payment of the outstanding amounts, outlining a specific date by which payment should be made to avoid foreclosure. 3. Notice of Foreclosure Sale: This notice typically includes information about the date, time, and location of the foreclosure sale, as well as additional details regarding my rights and options. I firmly believe that failure to receive these notifications was unintentional, as I have always been diligent about managing my financial obligations. It is my sincere hope that we can rectify this situation promptly and amicably, exploring all available options to reinstate my rights as a homeowner. I kindly request you investigate this matter thoroughly and gather any pertinent information to clarify the reason behind the non-delivery of these crucial notices. It is my understanding that any irregularity in the foreclosure process may provide grounds for potential legal remedies. Please keep me informed of any progress made in regard to this matter. I am willing to cooperate fully, provide any necessary documentation, and adhere to any further instructions you may require. Your expertise and guidance in navigating this complex situation would be greatly appreciated. Thank you for your attention to this matter. I look forward to hearing from you soon and finding a resolution to this distressing situation. Yours sincerely, [Your Name] [Contact Information]
Colorado Sample Letter to Foreclosure Attorney - After Foreclosure - Did not Receive Notice
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FAQ
A Rule 120 hearing determines if the lender has the right to foreclose on the property and have it sold at a public auction. The judge may cancel this hearing and sign the order ?authorizing sale? if the borrower does not file an answer with the court or files the answer too late.
The most senior lien holder may redeem fifteen (15) to nineteen (19) business days after the sale, but no later than noon on the final day. Subsequent lien holders each have five (5) business days after the senior lien holder's period, but must redeem by noon on the final day.
To begin the process, the lender is required to send a breach letter informing the borrower of delinquent payments. After you receive this letter, the borrower usually has approximately 20-30 days to cure the default or be foreclosed. At least 21 days before the foreclosure sale, the lender will send a notice of sale.
The Foreclosure Sale The sale is an auction, which is open to the public. At the sale, the lender usually makes a credit bid. The lender can bid up to the total amount owed, including fees and costs, or it may bid less.
To start the foreclosure, the lender's attorney submits the foreclosure documents, including a Notice of Election and Demand (NED), to the public trustee. (Colo. Rev. Stat.
Generally, when a property is sold through the foreclosure process and the tenant has a valid lease, the tenancy is extinguished as a matter of law. As such the tenant no longer has the right to occupy the property.
Put your name, address, phone number, loan number, and date on the top of the letter. List the name and address of your lender. information about any money you have saved for a workout agreement. Tell the lender you are working with a foreclosure counselor and include their name and agency.
Colorado is a nonjudicial foreclosure state, meaning that the lender does not have to go to court to foreclose on your home. The foreclosure process moves quickly and is often completed in 4 months through a public trustee.
