Arkansas

Arkansas

Arkansas Foreclosure Process

Foreclosure NoticeSecurity Instrument(s): Both Mortgage and Trust Deed.

Foreclosure Type(s): Judicial (rare) and Non-judicial.

Judicial Foreclosure: A foreclosure process in which the lender must file a lawsuit against the borrower to obtain a court order to foreclose on a Mortgage document.

Non-judicial Foreclosure: A foreclosure process where a third party Trustee has the power to foreclosure and initiate a sale based on a Trust Deed instrument.

Initial Public Notice: Publication.

Estimated Foreclosure Process Period: 70+ days.

First Notice to Sale Time Period: 30+ days.

Redemption Period?: Yes, 12 months. (Judicial foreclosures only)

Deficiency Balance?: Yes. (Judicial foreclosures only.)

* * * This information represents MRP’s current understanding of the foreclosure process In Arkansas. For the most detailed and up to date information, your should contact your local county government.* * *

Stop Foreclosure!Once you have received a Notice of Default (NOD), Notice of Filed Foreclosure or Notice of Foreclosure Sale/Auction, you need a foreclosure defense attorney or foreclosure litigation attorney to effectively represent your interests. If you have received one of these notices, contact us today regarding appropriate legal options!

Foreclosure Defense Attorneys

attorneysForeclosure defense attorneys can answer complaints, file counter-claims and motions, and represent you at hearings, mediation, and during the entire negotiation process. A foreclosure defense attorney will fight to defend your rights, and achieve the best possible outcome in loan modification, reinstatement, forbearance, principal reduction, and other foreclosure alternatives.

► ► Find A Foreclosure Defense Attorney In Arkansas! ◄ ◄

► ► Complete the Foreclosure Defense Attorney Evaluation! ◄ ◄

Litigation Attorneys

Should You Sue Your Lender?

mortgage mitigation attorney (2)In recent years, legislators have passed new laws which give consumer protection rights to homeowners, and provide statutory damages for violations. Accordingly, many homeowners are now hiring foreclosure litigation attorneys to sue their lenders, and use other aggressive legal tactics to stop the foreclosure process, resolve their mortgages, and obtain corrective and monetary relief.

► ► Schedule A Litigation Attorney Consultation! ◄ ◄

► ► Take The Lender Litigation Test! ◄ ◄

IMPORTANT, PLEASE READ: If you no longer occupy or legally control a property, but seek monetary and corrective damages for wrongful foreclosure and related legal issues, please visit the Wrongful Foreclosure Damages page to learn about available legal services.

HUD SealHUD Approved Foreclosure
Avoidance Counseling Agencies
Located in Arkansas

Foreclosure prevention counseling services are provided free of charge by nonprofit housing counseling agencies working in partnership with the Federal Government. These agencies are funded, in part, by HUD and NeighborWorks® America. There is no need to pay a private company for these services. Organizations are listed in alphabetical order, by city.

Foreclose Defense Attorney ConsultationIn many cases, these organizations will end up recommending that you retain an attorney. The fact is that an experienced attorney is in the best position to represent you in mortgage negotiations and foreclosure proceedings. In fact, THE FEDERAL TRADE COMMISSION (FTC) PROHIBITS ANY “NON-ATTORNEY” FROM NEGOTIATING MORTGAGE DEBT ON BEHALF OF A DISTRESSED HOMEOWNER. Negotiating yourself or through a non-attorney third party can even be detrimental. Before you do anything else, we recommend a NO COST ATTORNEY CONSULTATION or completing our FORECLOSURE DEFENSE ATTORNEY EVALUATION.

National Foreclosure Mitigation Counseling (NFMC) grantees through NeighborWorks® America,
located in Arkansas

Agency Name Phone
Website
Address Languages
Credit Counseling of Arkansas, Inc. (Bentonville Branch) Phone: 479-521-8877
Web: www.ccoacares.com
1732 Moberly Ln., Ste A
Bentonville, Arkansas 72712
– English
MMI – El Dorado Phone: 800-308-2227
Web: www.moneymanagement.org
202 North Washington, Ste. 101
El Dorado, Arkansas 71730
– English
Credit Counseling of Arkansas (main office) Phone: 479-521-8877
Web: www.ccoacares.com
1111 Zion Rd.
Fayetteville, Arkansas 72703
– English
Credit Counseling of Arkansas, Inc. (Fort Smith Branch) Phone: 479-521-8877
Web: www.ccoacares.com
2301 S. 56th St., Ste. 103
Fort Smith, Arkansas 72903
– English
In-Affordable Housing, Inc. Phone: 501-221-2203
Web: www.in-affordablehousing.org
108 S. Rodney Parham
Little Rock, Arkansas 72205
– English
Neighborhood Assistance Corporation of America (NACA) Phone: 501-492-0083
Web: www.naca.com
100 S. University, Suite 400
Little Rock, Arkansas 72205
– English
Credit Counseling of Arkansas, Inc. (Springdale Branch) Phone: 479-521-8877
Web: www.ccoacares.com
614 E. Emma Ave., Ste 235
Springdale, Arkansas 72764
– English

HUD Approved Housing Counseling Agencies

HUD Approved Foreclosure Avoidance Counseling Agencies in Arkansas

This list includes only HUD Approved Housing Counseling Agencies offering “Mortgage Delinquency and Default Resolution Counseling” services, and are considered “Foreclosure Avoidance Counseling” agencies. Organizations are listed in alphabetical order, by city.

HUD
Agency Name
Phone
Toll-Free
Fax Number
Email
Website
Address Languages
CREDIT COUNSELING OF ARKANSAS – BENTONVILLE P: 800-889-4916
T: 800-889-4916
F: 479-521-9200
E: ccoa@ccoacares.com
W: www.ccoacares.com
1732 Moberly Ln., Suite A
BENTONVILLE, Arkansas 72712-7028
– English
MISSISSIPPI COUNTY, ARKANSAS ECONOMIC OPPORTUNITY COMMISSION, INC. P: 870-776-1054
T:
F: 870-776-1875
E: c.dianet@yahoo.com
W: www.mcaeoc.com
1400 North Division Street
BLYTHEVILLE, Arkansas 72315-1438
– English
– Spanish
FAMILY SERVICE AGENCY – CCCS P: 501-450-9399
T: 800-255-2227
F: 501-450-3036
E: rholloway@fsainc.org
W: www.helpingfamilies.org
801 South German Lane
CONWAY, Arkansas 72034-6275
– English
ARKANSAS RIVER VALLEY AREA COUNCIL, INC. P: 479-229-4861
T:
F: 479-229-4863
E: arvac@arvacinc.org
W: www.arvacinc.org
613 North 5th Street
DARDANELLE, Arkansas 72834-3400
– English
MONEY MANAGEMENT INTERNATIONAL EL DORADO P: 866-232-9080
T: 866-232-9080
F: 866-921-5129
E: counselinginfo@moneymanagement.org
W: www.moneymanagement.org
202 N Washington Ave Ste 101
El Dorado, Arkansas 71730-5697
– English
– Spanish
CREDIT COUNSELING OF ARKANSAS P: 479-521-8877
T: 800-889-4916
F: 479-521-9200
E: info@ccoacares.com
W: www.ccoacares.com
1111 E Zion Rd
Fayetteville, Arkansas 72703-5013
– English
– Other
– Spanish
CRAWFORD SEBASTIAN COMMUNITY DEVELOPMENT COUNCIL P: 479-785-2303-101
T:
F: 479-784-9029
E: gperez@cscdccaa.org
W: www.cscdccaa.org
4831 Armour St.
FORT SMITH, Arkansas 72904-4523
– English
– Spanish
CREDIT COUNSELING OF ARKANSAS – FORT SMITH P: 800-889-4916
T: 800-889-4916
F:
E: ccoa@ccoacares.com
W: www.ccoacares.com
2301 S. 56th St., Suite 103
FORT SMITH, Arkansas 72903-3710
– English
NORTHWEST REGIONAL HOUSING AUTHORITY P: 870-741-5522
T:
F: 870-741-9234
E: nwrha@windstream.net
W: nwregionalhousing.org
114 Sisco Ave
HARRISON, Arkansas 72601-2130
– English
– Other
SOUTHERN BANCORP COMMUNITY PARTNERS P: 870-816-1126
T:
F:
E: vida.fielder@southernpartners. org
W: www.southernpartners.org
502 Cherry Street
HELENA, Arkansas 72342-3304
– English
JONESBORO URBAN RENEWAL AND HOUSING AUTHORITY HOUSING AND COMMUNITY DEVELOPMENT ORGANIZATION (JURHA HCDO) P: 870-935-9800
T:
F:
E: jurha@jurha.org
W: www.jurha.org
330 Union St
Jonesboro, Arkansas 72401-2815
– English
– Spanish
ARKANSAS DEVELOPMENT FINANCE AUTHORITY P: 501-682-5923
T:
F: 501-682-5939
E: virginia.wright@adfa.arkansas.gov
W: www.arkansas.gov/adfa/
900 W Capitol, Suite 310
LITTLE ROCK, Arkansas 72201-9708
– English
BETTER COMMUNITY DEVELOPMENT, INC. P: 501-379-1561
T:
F: 501-379-1577
E: rajones@bcdinc.org
W: www.bcdinc.org
3805 W. 12th St, Suite 203
LITTLE ROCK, Arkansas 72204-2042
– English
COMMUNITY RESOURCES TECHNICIANS, INC. P: 501-372-2611
T:
F: 501-372-1044
E: commtech2704@sbcglobal.net
W: n/a
800 Scott Street
LITTLE ROCK, Arkansas 72201-4614
– English
– Spanish
IN AFFORDABLE HOUSING, INCORPORATED P: 501-221-2203
T:
F: 501-221-2279
E: roma.isom@yahoo.com
W: inaffordablehousing.com
108 South Rodney Parham
LITTLE ROCK, Arkansas 72205-4708
– English
– Spanish
NACA (NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA) LITTLE ROCK, AR P: 501-492-0083
T: 617-250-6222
F: 877-329-6222
E: N/A
W: www.naca.com
1501 N University Ave Ste 680
Little Rock, Arkansas 72207-5235
– English
– Spanish
SOUTHERN BANCORP COMMUNITY PARTNERS P: 501-850-8978
T: 000-000-0000
F: 501-537-1193
E: N/A
W: www.southernpartners.org
8924 Kanis Rd
Little Rock, Arkansas 72205-6414
– English
– Other
FAMILY SERVICE AGENCY – CCCS P: 501-753-0202
T: 501-753-0202
F: 501-753-6730
E: rholloway@fsainc.org
W: www.helpingfamilies.org
628 West Broadway Suite 102
NORTH LITTLE ROCK, Arkansas 72114-5545
– English
UNIVERSAL HOUSING DEVELOPMENT CORPORATION P: 479-968-5001
T: 800-737-5013
F: 479-968-5002
E: asmith@uhdc.net
W: www.uhdchousing.org
301 E 3rd St
RUSSELLVILLE, Arkansas 72801-5109
– English
– Spanish
CREDIT COUNSELING OF ARKANSAS – SPRINGDALE P: 800-889-4916
T: 800-889-4916
F: 479-521-9200
E: joeld@ccoacares.com
W: www.ccoacares.com
614 E. Emma Ave., Suite 235
SPRINGDALE, Arkansas 72764-4459
– English

For the most current list of HUD Approved Foreclosure Avoidance Counseling Agencies in Arkansas, please visit the HUD website.