Foreclosure filings

Garfield County foreclosure filing process

Garfield County Public Trustee – Carrie Couey
PO Box 1069 – Glenwood Springs, CO 81602-1069
109 8th Street, Suite 204
Glenwood Springs, CO 81601
PHONE (970) 384-3451 – FAX (970) 384-5010
Email

*NOTE: Emails are automatically forwarded to all staff members for processing. Please use that address for all time sensitive document submissions, updates, bids, requests for information or questions. Emails sent to individual email addresses are not monitored when that individual is away from their desk or out of the office.

Public Trustee staff

Public Trustee
Carrie Couey
970-945-1377, ext. 2240

Deputy Public Trustee
Christine Cheroske
970-945-1377, ext. 2215

The following information is provided to assist in filing foreclosures in Garfield County.

E-filings

We accept e-filings submitted through GTS or e-mail for foreclosures filed pursuant to C.R.S. §38-38-101 (2). A DATADOC spreadsheet must be uploaded for each filing. The spreadsheet can be found here. Please identify all correspondence with your file number.

All filings

It is necessary to mail a check for all required deposits and/or additional fees. We do not accept a file until we have received all documents and the full amount of the required deposit. Those files submitted by email will be rejected back to the sender if a deposit is not received within 10 business days of file submission.

Files are reviewed for acceptance no later than the 10th business day after the later of;

  1. receipt of the total required deposit, or;
  2. receipt of the required documents.

Sales are scheduled for Wednesdays. Notification of missing or incorrect documentation will be sent via email. Upon receipt of corrected documentation, files will be placed back in the queue of new files. The file and deposit may be returned to the submitter if corrections are not received in our office within ten business days of notification.

After the Notice of Election and Demand has been recorded, a transmittal or email setting forth the sale number, sale date, expected publication dates, etc., will be sent to the foreclosing attorney’s office. Copies of file documents may be viewed in the Public Trustee’s database of the Garfield County website.

Required documents

NOTE: Email documents to the Public Trustee’s office or submit via a Government Technology Services (GTS) upload. For instructions on using GTS please go here. Email documents to the Public Trustee’s office.

If an original note is provided by an entity that is not a qualified holder, it must be submitted via mail or in person.

Item Documentation and format
Cover letter Please include your file # reference and an e-mail address to be used for contacting your office.
Deposits $1,000 (files up to $499,999 – Call or email for a quote if balance is over $500,000)
Note Original or Legible Copy with Certification of Qualified Holder, or electronic in .pdf format
Deed of Trust Original or Legible Copy with Certification of Qualified Holder, or electronic in .pdf format
Certification – Qualified Holder Electronic in .pdf format
Notice of Election and Demand Notice of Election and Demand Original or electronic in Word or .tiff format NOTE: If the legal description has other than a lot/block description, the legal should be attached as an exhibit and not included in the body of the Notice of Election and Demand. Please submit the legal description as a separate file in Word text format..
Envelopes We will prepare envelopes and postage for all mailings.
Current Owner Statement Electronic in .pdf format (unless it is included in the cover letter)
Statement of current loan servicer Electronic in .pdf format
Mailing List(s) Electronic in .pdf format
Order Authorizing Sale Electronic in .pdf format
Final fees and costs for sale will not be quoted until we have received the Order Authorizing Sale in .pdf or .tiff format
Continuances GTS or via e-mail message
Bids Electronic in .pdf format NOTE: (balance due should be mailed to arrive by noon the day prior to the sale.)
Withdrawals Electronic in .pdf format AND balance of any fees due.
Notice of Intent to Redeem Original or electronic in .pdf format -include supporting documents AND filing fee of $100.00 NOTE: Both the notice AND fee must be in our office prior to the end of the 8th business day after the sale.
Combined Notices (with
required statutes)		 Certificate of Mailing Notice of Intent to Cure
Certificate of Purchase** Certificate of Redemption** Confirmation Deed**

**Assignments of Certificates of Purchase and/or Certificate of Redemption must be dated or received by Public Trustee prior to the statutory vesting of title. 

Foreclosures will not take places unless all fees are paid by noon the day prior to the sale.

Please call or email us if you have any questions.