Legal Question in Wills and Trusts in Colorado

First, before you take any such action, consult with an attorney who specializes in estate planning.

Second, make sure you are talking to a qualified estate planning expert. If your stepson is not, then don't rely on his advice.

Third, do not proceed based on any advice from the internet other than to consult with a specialist.

Mr. Greenberg's advice is good. There is not enough information in your email to be able to give you advice. You need to discuss your entire estate situation with a person with experience in estate planning and probate administration.

As one example, a Colorado "mortgage" typically consists of two parts - a promissory note in which the owner agrees to repay the loan and a deed of trust in which the lender gets the right to take possession of the property if the loan is not repaid. It is not clear from your email why the lender would release your obligation to repay the loan.

Many attorneys offer a free initial consultation. This provides the client and attorney an opportunity to briefly explore the client's situation and determine whether hiring the attorney is needed. I recommend that you contact an attorney before you take a relative's advice.