I am a Colorado attorney. Sean M. Dougherty is right! Hire an attorney. Especially because you are in Ohio, you need local presence. (I won't take the case because my docket is full with landlord-tenant concerns, so nothing I say herein may be interpreted as legal advice and is intended for information purposes only and for people with similar circumstances to yours, but not directed at you specifically because I do not know all of the circumstances in your case.) You need to read your deed of trust and look for your rights. Specifically look for notice provisions and whether the deed of trust authorizes the power of sale. If not, then it will have to go to Judicial foreclosure which is more expensive for owners ($5,500). You also have a right to cure in Colorado. Watch for your rule 120 motions hearing notice and notice of election and demand, since those are major issues. You will need to research how to file the "notice to cure". Timing is very important. Without an attorney, you can do a lot to stall, but ultimately, you should seek an attorney. During the cure period, seek "refinance" money for the cure. As a last resort, if the bank won't provide a bridge loan, ask here for "hard money" contacts. The rates are usually about 4pts and 11%, but you may be able to shop that cost down. Good Luck!