A county public trustee, not a private one, sells the home 110 to 125 days after the lender starts. A short Rule 120 court order is required, you can cure what is past due if you file a notice of intent 15 days before the sale, and owners have no right to buy the home back afterwards.
Not sure what date to put in? Tell us which paper you were sent and we will work the timeline out backwards from it.
Each is a different statute.
When you first fell behind.
Local pace is the variable.
Past steps fade out.
FHA and VA add steps.
A tenant gets 90 days under federal law.
Three dates decide a Colorado case. The day the notice of election and demand is recorded, which sets the sale 110 to 125 days out. Fifteen days before the sale, the deadline to file a notice of intent to cure. And noon the day before the sale, when the cure money is due.
Rights that exist because the property is in Florida, whatever a servicer tells you on the phone.
Regional legal aid programmes take foreclosure cases at no cost if you qualify by income. Start at FloridaLawHelp.org, which routes you to the programme covering your county.
HUD-approved housing counsellors are free everywhere in the state — 1-800-569-4287. Several circuits also run residential foreclosure mediation; ask the clerk whether yours does.
Anyone who contacts you first, guarantees they can stop the sale for a fee paid up front, or asks you to sign the deed over is running a scam. Never sign a deed to someone promising to save your home.
Verified 8 September 2026 against the 2025 Florida Statutes and the Rules of Civil Procedure. That audit corrected ten items, including a dead citation for the deficiency limitation period, the wrong authority for the writ of possession, and a surplus claim deadline repealed in 2019. Statute text was verified; appellate case law was not, and two items — the paragraph 22 defence and current circuit mediation programmes — rest partly on secondary sources and should be confirmed by a Florida attorney before launch.
Short answers, each one sourced to the statute cited on this page.
A typical Colorado foreclosure runs roughly 252 days from the first missed payment to the public trustee sale. Once the lender records its notice of election and demand, the sale must be set 110 to 125 days later. C.R.S. 38-38-108.
File a notice of intent to cure with the public trustee at least 15 calendar days before the sale, then pay everything past due plus allowed fees by 12 noon the day before the sale. C.R.S. 38-38-104.
Not for owners. Only certain junior lienholders may redeem, within short windows measured in business days. Many websites still describe a 75 day owner redemption period, which no longer exists. C.R.S. 38-38-302.
A court proceeding where the lender asks for an order authorizing the sale. The court decides whether there is a reasonable probability of a default, whether the lender is the real party in interest, and whether the Servicemembers Civil Relief Act applies. A response is due at least 7 days before the hearing.
The public trustee holds the overbid, pays redeeming junior lienholders first, then pays the rest to you. Agreements to pay someone a fee to recover your overbid are unenforceable. C.R.S. 38-38-111.
Only after it offers a payment plan of at least 18 months, the unpaid assessments equal at least six months of regular assessments excluding fines, and the board votes on the record. Since 1 October 2025 it must also give 30 days notice of intent, and a court can pause a sale for nine months so the owner can sell at market value. C.R.S. 38-33.3-316 and HB25-1043.