Foreclosures in Alberta are heard in the Court of King's Bench. A lender cannot sell your home without going through the court, and for Cochrane that means the Calgary Courts Centre — foreclosures are filed in the Calgary judicial district, not at a local courthouse.
Title work runs separately, through Land Titles South, Calgary. Land Titles has been slow since the counters closed to walk-ins in September 2025, with registrations reported taking around a hundred days, so build that into any plan with a deadline in it.
A little about Cochrane
A fast-growing river town west of Calgary on the Bow, with mountains on one side and the city on the other. It grew 6.4% in a single year and 913 new homes were built in 2025, with projections around 90,000 people by 2050. The population is about 39,397.
Garmin Canada is headquartered here on Bow Street, having grown from a 1998 garage startup into an expansion adding more than 200 STEM jobs. Spray Lake Sawmills supports around 200 direct jobs and some 400 families; it sold to West Fraser for $140 million in November 2023. The 2026 tax bill rose about 7.15% on average, roughly $296 — though the municipal share was only 2.61%, with the provincial education requisition up around 20%.
Cochrane's own numbers carry a genuinely useful message: after the January dip, prices rose five months running. If you last checked your home's value in the winter and concluded there was nothing left, that conclusion may simply be out of date. Get a current opinion of value before deciding — your equity may be better than you think.
Free help you can call
Calgary Legal Guidance — 403-234-9266; Court Assistance Program (KB Amicus); Basic Needs Fund — call 211. These are independent organisations — we are not connected to them and are not paid to list them. Insolvency questions go to a Licensed Insolvency Trustee, the only people licensed to advise on them.
What actually happens
Less than people fear. Much of a foreclosure is documents rather than hearings, and an undefended claim moves through its stages without anyone standing up in a courtroom. That is also the risk — the process advances whether or not you engage, so engaging is how you keep a say in it.
General information about the Alberta foreclosure process — not legal or financial advice, and nothing here guarantees an outcome. Every file is different.