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 Arapahoe County Public Trustee's Office acknowledges receipt of all email we receive. If you do not receive a response, we did not receive your email.
  • The Intent to Cure form may be faxed to 303-730-0076, emailed to eforeclosures@arapahoegov.com or hand delivered to:

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

  • Upon receipt of the Intent to Cure form, the Public Trustee will request the cure figures from the lender. 
  • The lender or their attorney must provide the cure statement within 10 business days after the request or by 12:00 pm on the 8th calendar day before the sale, whichever is earlier. 
  • The cure statement from the lender must be valid for at least 10 calendar days, but no more than 30 calendar days from day of receipt in the Public Trustee’s office, or through the day before the sale, whichever comes first.
  • 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 12:00 pm on Tuesday, the day before the sale on Wednesday, whichever comes first.
  • The funds must be in the form of 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, the payer must notify the Public Trustee’s office prior to coming in to cure so that a representative from the Public Trustee's office can meet the property owner at the Arapahoe County Treasurer's office to process the payment.
  • Once cured, the foreclosure will be marked for withdrawal until final documentation is submitted by the lender and then subsequently withdrawn. The Public Trustee will then record the withdrawal notice with the County Clerk and Recorder.

Bankruptcy Filing

If a bankruptcy is filed by the property owner before the property is struck and sold at auction, 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.