The Public Trustee makes no representations, warranties or promises of any kind about the physical condition or status of title of property being foreclosed.

It is your responsibility to do your own research before coming to the sale. The Public Trustee does not promise that the trust deed being foreclosed is a first lien. A Public Trustee Deed contains no warranty of title. The Public Trustee does not check whether taxes have been paid or if there are other liens against the property.

You can obtain the foreclosure sale number of the property by looking it up at the Public Trustee's office, or in the Notice of Sale published in the newspaper or in this website.

Sale Instructions

Public Trustee foreclosure sales are held on Wednesdays, promptly at 10:00 a.m., in the office of the Public Trustee located at 809 9th Street, Suite 1, Greeley, Colorado.

If you are the highest bidder, please have the Bidder Information Sheet (which is provided in our office the day of the sale) ready for the Public Trustee. The highest bidder must pay the amount of the bid to the Public Trustee office by 12:00 noon on the day of the sale. Download Bid Sheet

• If the name on the Certificate of Purchase is different from the person bidding, please provide the exact name of the person in which the Certificate of Purchase is to be issued.
• Your bid must start at $1.00 over the bid from the foreclosing lender.
• If you are the second highest bidder, please provide the Public Trustee with your Bidder Information Sheet at the time of sale in case the highest bidder fails to pay the bid amount when due. If so, you will be contacted as soon as possible after noon on the date of sale and you will have until 2:00 p.m. on the sale date to provide the bid funds to the Public Trustee.
• The successful bidder will be issued a Certificate of Purchase to hold until all redemption periods have expired or until earlier redemption by a junior lienor.

Some Important Facts

The owner of the property at the time of sale remains the owner until the owner redemption period and any junior lienor redemption periods expire. Owner redemption periods are either 75 days or six months. There may be one or more junior lienor redemption periods after the owner redemption period. The Certificate of Purchase or Certificate of Redemption holder may have no right of access to the property being foreclosed until a Public Trustee's Deed is issued.

The property sold at a Public Trustee foreclosure sale can be redeemed by the property owner or by certain other lien holders. If redemption occurs, the Certificate of Purchase holder must return the Certificate of Purchase to the Public Trustee and then will be paid the bid amount plus interest at the default rate specified in the evidence of debt secured by the deed of trust being foreclosed, plus certain other expenses described by Colorado Revised Statutes §38-38-301.

Should there be no redemption, a Public Trustee's Deed for the property will be issued to the Certificate of Purchase holder upon expiration of all redemption periods, surrender of the Certificate of Purchase to the Public Trustee, payment of the required fee and recording costs, and a directive letter.

Read: How Do I Initiate a Foreclosure?