What does this foreclosure notice mean for Irma Garcia?

It means a foreclosure process has been started against property securing her loan, and a public sale may occur unless the debt is paid or other legal steps are taken.

Who is the current loan holder listed in the notice?

Carrington Mortgage Services LLC is listed as the current holder of the debt.

Where was the original deed of trust recorded?

In Delta County on September 2, 2021, reception number 732366.

Foreclosure — Delta

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Lender

Affects:HomeownersCreditorsProperty BuyersGovernment Agencies

This is a public notice of a foreclosure sale for a deed of trust recorded in Delta County involving borrower Irma Garcia and current loan holder Carrington Mortgage Services LLC; the outstanding principal is $183,239.68 and sale procedures under Colorado law have begun.

Key Takeaways

Foreclosure sale initiated under CRS §38‑38‑103
Outstanding principal: $183,239.68
Original loan: $525,000.00 (Deed of Trust dated Aug 12, 2021)
Public Trustee recorded Notice of Election and Demand on Feb 12, 2026
Property recorded in Delta County (Reception No. 732366)

Published: May 13, 2026 · 6 days ago
Category: Foreclosure
City: Delta

Research context

6 foreclosure notices in Delta (last 12 months)

If you don't respond

If no action is taken, the property may be sold at a public foreclosure sale after the statutory notice period; the sale will proceed under Colorado foreclosure statutes (notice recorded Feb 12, 2026).

What to do next

1
Contact the Public Trustee
Call or visit the Delta County Public Trustee's office to obtain sale date, redemption information, and exact property details.
2
Consult a foreclosure attorney
Seek legal advice immediately to discuss options like reinstatement, payoff, or filing a legal response before the sale.
3
Verify payoff and loan status with holder
Contact Carrington Mortgage Services LLC to confirm the outstanding balance ($183,239.68) and payoff procedures.

Frequently asked questions

What does this foreclosure notice mean for Irma Garcia?: It means a foreclosure process has been started against property securing her loan, and a public sale may occur unless the debt is paid or other legal steps are taken.
Who is the current loan holder listed in the notice?: Carrington Mortgage Services LLC is listed as the current holder of the debt.
Where was the original deed of trust recorded?: In Delta County on September 2, 2021, reception number 732366.

The suggestions and answers above are AI-generated for general information only. They can be wrong, and we don't take responsibility for their accuracy. Talk to a qualified professional before acting on them.

Legal terms in this notice

Notice of Election and Demand: A public filing that starts the statutory foreclosure process and notifies the public of a pending sale.
Deed of Trust: A security instrument where property is pledged to secure repayment of a loan.
Current Holder of Evidence of Debt: The entity that presently owns the loan and has the right to enforce repayment.

Full Notice Text

COMBINED NOTICE ‑ PUBLICATIONCRS §38‑38‑103 FORECLOSURE SALE NO. 2026‑0004To Whom It May Concern: This Notice is given with regard to the followingdescribed Deed of Trust:On February 12, 2026, the undersigned Public Trustee caused the Notice ofElection and Demand relating to the Deed of Trust described below to berecorded in the County of Delta records.Original Grantor(s): Irma GarciaOriginal Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS,INC. AS NOMINEE FOR HIGH TECH LENDING INC., ITS SUCCESSORS ANDASSIGNSCurrent Holder of Evidence of Debt: CARRINGTON MORTGAGE SERVICES LLCDate of Deed of Trust: August 12, 2021County of Recording: DeltaRecording Date of Deed of Trust: September 02, 2021Recording Information (Reception No. and/or Book/Page No.): 732366Original Principal Amount: $525,000.00Outstanding Principal Balance: $183,239.68Pursuant to CRS §38‑38‑101(4)(i), you a

Related Notices

Notice

DateCategoryCity

Public notice of a foreclosure sale for a deed of trust recorded in Delta County involving Patricia V. Faas and Finance of America Reverse LLC. The loan's outstanding principal balance is $142,138.38 and a foreclosure sale proceeding has been initiated.

May 13, 2026ForeclosureDelta

This is a foreclosure sale notice for a deed of trust recorded in Delta County concerning property financed in 1997; the current debt holder is U.S. Bank National Association as Trustee. A public trustee foreclosure process has been initiated and a sale may follow.

May 13, 2026ForeclosureDelta

Public Trustee initiated a foreclosure sale for a deed of trust recorded October 20, 2015, involving borrower Steven Ross and current note holder PNC Bank NA. The recorded outstanding principal is $160,155.96 and a sale is proceeding under Colorado law.

May 13, 2026ForeclosureDelta

A public trustee foreclosure notice for a deed of trust recorded in Delta County involves a mortgage originally for $400,240 and an outstanding balance of $407,453.43 held by the Secretary of Veterans Affairs; a sale may be scheduled following notice requirements.

May 13, 2026ForeclosureDelta

This is a public notice of a foreclosure sale by the Delta County Public Trustee for a deed of trust originally recorded August 18, 2021, on property securing a mortgage now held by Onity Mortgage Corporation with an outstanding balance of $266,881.36.

May 13, 2026ForeclosureDelta

Foreclosure — Delta

What to do next

Frequently asked questions

Legal terms in this notice

Related Notices

Public notice of a foreclosure sale for a deed of trust recorded in Delta County involving Patricia V. Faas and Finance of America Reverse LLC. The loan's outstanding principal balance is $142,138.38 and a foreclosure sale proceeding has been initiated.

This is a foreclosure sale notice for a deed of trust recorded in Delta County concerning property financed in 1997; the current debt holder is U.S. Bank National Association as Trustee. A public trustee foreclosure process has been initiated and a sale may follow.

Public Trustee initiated a foreclosure sale for a deed of trust recorded October 20, 2015, involving borrower Steven Ross and current note holder PNC Bank NA. The recorded outstanding principal is $160,155.96 and a sale is proceeding under Colorado law.

A public trustee foreclosure notice for a deed of trust recorded in Delta County involves a mortgage originally for $400,240 and an outstanding balance of $407,453.43 held by the Secretary of Veterans Affairs; a sale may be scheduled following notice requirements.

This is a public notice of a foreclosure sale by the Delta County Public Trustee for a deed of trust originally recorded August 18, 2021, on property securing a mortgage now held by Onity Mortgage Corporation with an outstanding balance of $266,881.36.

See also

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