Larimer foreclosure starts with a recorded NED

Foreclosure paperwork in Larimer County has a clear starting signal, and knowing it changes how you read everything else. A Deed of Trust gives the Public Trustee the right to sell the property through foreclosure if the borrower defaults. The first document in that chain is the Notice of Election and Demand, usually shortened to the NED, which the Public Trustee receives from the lender or their attorney.

The moment that counts is recording. Once the NED is recorded with the Clerk and Recorder, the foreclosure has officially started. Before that, what you have is correspondence; after it, you have a public process with a calendar attached.

That distinction is worth holding onto, because rumor and a stack of default letters are not the same thing as a recorded action. Plenty of stern-sounding mail arrives that is not a foreclosure at all. Once the NED is on record, though, the deadlines that follow are real and start to bite.

Anyone worried about a foreclosure can look it up directly through the county foreclosure information and recorded documents to see where things actually stand. From there, a housing counselor, an attorney, or the Public Trustee can explain the official status and what options remain. Knowing whether the NED has been recorded tells you which conversation you are in.