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TRUSTEE’S NOTICE OF DEFAULT AND INTENTION TO SELL
YOU MAY LOSE YOUR PROPERTY IF YOU DO NOT TAKE IMMEDIATE ACTION.
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR SUCH PURPOSE.
On February 26, 2009, Nicole M. Zack executed a Deed of Trust in favor of Peter Heister, as Trustee for Vanderbilt Mortgage and Finance, Inc., which was recorded on March 5, 2009, in Book 3039 , Page 316 in the real property records of Garland County, Arkansas and is now held by Vanderbilt Mortgage and Finance, Inc.. The party initiating foreclosure can be contacted at or in care of its servicer initiating foreclosure at: Vanderbilt Mortgage and Finance, 500 Alcoa Trail, Maryville, TN 37804, at Telephone No. 800-970-7250; and
The default for which foreclosure is made is the trustor(s) failure to pay the full amount of each monthly payment on the date it is due as required by the terms of the Note and Security Instrument. Because of the failure to cure the default the indebtedness was accelerated, is now therefore wholly due and the Beneficiary has requested the property be sold to satisfy said indebtedness.
On Wednesday, August 19, 2026 on or about 10:00 AM, the following described real property will be sold at the under 9/7/2022 County Judge Order CC-22-152, outside the north entrance of the Garland County Courthouse, 501 Ouachita, Hot Springs, AR 71901, to the highest bidder for cash:
TRACT A: Part of the NW 1/4 SE 1/4 of Section 8, Township 1 South, Range 20 West, Garland County, Arkansas, being more particularly described as follows: Commence at the Northwest corner of the said Northwest 1/4 Southeast 1/4; thence South along the West line of the said Northwest 1/4 Southeast 1/4, 840.14 feet; thence North 88 degrees 39 minutes 49 seconds East, 348.30 feet to a 1/2 inch rebar, marking the Point of Beginning; thence continue North 88 degrees 39 minutes 49 seconds East 251.64 feet to a 1/2 inch rebar; thence South 323.64 feet to a 1/2 inch rebar on the North line of Little Blakely Creek Road: thence South 69 degrees 51 minutes 53 seconds West, along the said North line 53.81 feet: thence South 68 degrees 16 minutes 40 seconds West along the said North line 270.80 feet to a 1/2 inch rebar; thence North 410.03 feet to a 1/2 inch rebar and the Point of Beginning.
More commonly known as 3076 Little Blakely Creek Road, Jessieville, AR 71949.
There may be occupants that claim an interest in the real property herein based upon said occupancy.
The undersigned is the Substitute Trustee for the beneficiary and is acting on behalf of and with the consent of the beneficiary who is exercising its power of sale under Ark. Code Ann. Section 18-50-115 which implies a power of sale in every Deed of Trust of real property situated in this State that is duly acknowledged and recorded.
The sale is subject to all matters shown on any applicable recorded plat; any unpaid taxes; any restrictive covenants, easements, or setback lines that may be applicable; any statutory rights of redemption of any governmental agency, state or federal; any prior liens or encumbrances as well as any priority created by a fixture filing; and to any matter that an accurate survey of the premises might disclose.
Unless discharged by bankruptcy, if your property is sold, then you will remain liable for any deficiency and an action for collection may be brought against you. The sale held pursuant to this Notice may be rescinded at the Substitute Trustee’s option at any time. The right is reserved to adjourn the day of the sale to another day, time and place certain without further publication, upon announcement at the time and place for the sale set forth above. The property is being sold “as is” with no representation as to its condition THE TERMS OF SALE ARE CASH THE DAY OF SALE AND ALL TRANSFER TAXES WILL BE THE RESPONSIBILITY OF THE PURCHASER. If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the deposit paid. The Purchaser shall have no further recourse against the Grantor, the Grantee, the Beneficiary or the Trustee.
Witness my hand this 27th day of May, 2026.
J.P. Sellers (2009232); Matthew Smith (2006098); Julie Chambers (2023166); Nathan Newberry (2025184)
Substitute Trustee for VANDERBILT MORTGAGE AND FINANCE, INC.
Mackie Wolf Zientz & Mann, P.C.
Park East
725 Cool Springs Blvd, Suite 140
Franklin, TN 37067
(615) 238-3630
For additional sale information visit https://www.arforeclosurenotice.com
607655f
YOU MAY LOSE YOUR PROPERTY IF YOU DO NOT TAKE IMMEDIATE ACTION.
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR SUCH PURPOSE.
On February 26, 2009, Nicole M. Zack executed a Deed of Trust in favor of Peter Heister, as Trustee for Vanderbilt Mortgage and Finance, Inc., which was recorded on March 5, 2009, in Book 3039 , Page 316 in the real property records of Garland County, Arkansas and is now held by Vanderbilt Mortgage and Finance, Inc.. The party initiating foreclosure can be contacted at or in care of its servicer initiating foreclosure at: Vanderbilt Mortgage and Finance, 500 Alcoa Trail, Maryville, TN 37804, at Telephone No. 800-970-7250; and
The default for which foreclosure is made is the trustor(s) failure to pay the full amount of each monthly payment on the date it is due as required by the terms of the Note and Security Instrument. Because of the failure to cure the default the indebtedness was accelerated, is now therefore wholly due and the Beneficiary has requested the property be sold to satisfy said indebtedness.
On Wednesday, August 19, 2026 on or about 10:00 AM, the following described real property will be sold at the under 9/7/2022 County Judge Order CC-22-152, outside the north entrance of the Garland County Courthouse, 501 Ouachita, Hot Springs, AR 71901, to the highest bidder for cash:
TRACT A: Part of the NW 1/4 SE 1/4 of Section 8, Township 1 South, Range 20 West, Garland County, Arkansas, being more particularly described as follows: Commence at the Northwest corner of the said Northwest 1/4 Southeast 1/4; thence South along the West line of the said Northwest 1/4 Southeast 1/4, 840.14 feet; thence North 88 degrees 39 minutes 49 seconds East, 348.30 feet to a 1/2 inch rebar, marking the Point of Beginning; thence continue North 88 degrees 39 minutes 49 seconds East 251.64 feet to a 1/2 inch rebar; thence South 323.64 feet to a 1/2 inch rebar on the North line of Little Blakely Creek Road: thence South 69 degrees 51 minutes 53 seconds West, along the said North line 53.81 feet: thence South 68 degrees 16 minutes 40 seconds West along the said North line 270.80 feet to a 1/2 inch rebar; thence North 410.03 feet to a 1/2 inch rebar and the Point of Beginning.
More commonly known as 3076 Little Blakely Creek Road, Jessieville, AR 71949.
There may be occupants that claim an interest in the real property herein based upon said occupancy.
The undersigned is the Substitute Trustee for the beneficiary and is acting on behalf of and with the consent of the beneficiary who is exercising its power of sale under Ark. Code Ann. Section 18-50-115 which implies a power of sale in every Deed of Trust of real property situated in this State that is duly acknowledged and recorded.
The sale is subject to all matters shown on any applicable recorded plat; any unpaid taxes; any restrictive covenants, easements, or setback lines that may be applicable; any statutory rights of redemption of any governmental agency, state or federal; any prior liens or encumbrances as well as any priority created by a fixture filing; and to any matter that an accurate survey of the premises might disclose.
Unless discharged by bankruptcy, if your property is sold, then you will remain liable for any deficiency and an action for collection may be brought against you. The sale held pursuant to this Notice may be rescinded at the Substitute Trustee’s option at any time. The right is reserved to adjourn the day of the sale to another day, time and place certain without further publication, upon announcement at the time and place for the sale set forth above. The property is being sold “as is” with no representation as to its condition THE TERMS OF SALE ARE CASH THE DAY OF SALE AND ALL TRANSFER TAXES WILL BE THE RESPONSIBILITY OF THE PURCHASER. If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the deposit paid. The Purchaser shall have no further recourse against the Grantor, the Grantee, the Beneficiary or the Trustee.
Witness my hand this 27th day of May, 2026.
J.P. Sellers (2009232); Matthew Smith (2006098); Julie Chambers (2023166); Nathan Newberry (2025184)
Substitute Trustee for VANDERBILT MORTGAGE AND FINANCE, INC.
Mackie Wolf Zientz & Mann, P.C.
Park East
725 Cool Springs Blvd, Suite 140
Franklin, TN 37067
(615) 238-3630
For additional sale information visit https://www.arforeclosurenotice.com
607655f
Refcode: #607655
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