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Foreclosure sale date set in Arkansas: what you can still do

If a statutory foreclosure sale is scheduled in Arkansas, your options last only until the highest bid is accepted, because there is no redemption afterward. The most realistic paths are reinstating the loan, getting the servicer to postpone, or getting a lawyer into court before the sale. Confirm the date first, since sales can be postponed with only an announcement at the sale.

Free HUD counselor: (800) 569-4287

Reviewed against Arkansas law and official sources on October 11, 2026. General information, not legal advice.

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Options still open before a sale in Arkansas

  • Confirm the sale is still on

    Today

    Call the party named in your notice of default and intention to sell. Its name, address and phone number must be in the notice. Sale notices are also posted at the county courthouse and on an Internet foreclosure notice service, and a postponement of 30 days or less may only be announced or posted at the sale.

    Ark. Code §§ 18-50-104(b)(7), 18-50-105, 18-50-107(c)

  • Reinstate

    Before the sale

    Ask in writing for the exact amount to cure and where to pay it. Paying the past-due amount with costs and fees before the sale requires the foreclosure to be dismissed.

    Ark. Code § 18-50-114

  • Press for an answer on your loan modification

    At least 10 business days before the sale

    If you applied and have no written denial, tell the servicer and the party conducting the sale in writing. The sale cannot be held unless the lender has certified that you were notified you do not qualify.

    Ark. Code § 18-50-104(a)(3)

  • Ask the servicer to postpone

    Before the sale is concluded

    The person conducting the sale can postpone it from time to time. Make the request in writing, explain what is pending and keep proof that you sent it.

    Ark. Code § 18-50-107(c)

  • Get a lawyer to raise your defenses

    Before the sale

    Claims and defenses must be raised in court before the sale or they are barred, apart from fraud and failure to strictly follow the law. Contact Legal Aid of Arkansas or a licensed attorney immediately.

    Ark. Code § 18-50-116(d)

  • Talk to a bankruptcy attorney

    Before the sale

    Arkansas Law Help notes that a bankruptcy filing brings an automatic stay that temporarily stops the sale. It is a serious step with lasting effects, so get advice before the sale date.

Call today, not tomorrow

With a sale on the calendar, every option above has a cutoff. A free HUD-approved housing counselor can call your servicer with you today: (800) 569-4287. For legal aid and court help, see free foreclosure help in Arkansas.

Common questions in Arkansas

How do I find out if my Arkansas foreclosure sale was postponed?

Call the trustee or attorney whose phone number is on your notice of default and intention to sell. Under Ark. Code 18-50-107(c) a postponement can be made by public announcement or a written notice posted at the time and place of the sale, and no other notice is required unless it is postponed more than 30 days.

What time and where are foreclosure sales held in Arkansas?

Under Ark. Code 18-50-107 a statutory sale must be held between 9:00 a.m. and 4:00 p.m., at the property or at the front door of the county courthouse, and not on a Saturday, Sunday or legal holiday. Your notice gives the exact time, date and place.

Can I pay to stop an Arkansas foreclosure on the day of the sale?

The law allows a cure at any time before the sale, so the right lasts until the sale takes place. In practice you need the exact amount from the lender and a way to deliver the funds in time, so ask for the figure in writing as early as you can.

Step by step

More on foreclosure in Arkansas

Understand the process

What is happening and how much time there is.

Weigh your options

What can stop it, and what happens if it goes ahead.

Get help now

Who to call, and what to do when a sale is scheduled.

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Sources for this page

  1. Ark. Code § 18-60-304 (FindLaw copy, current as of March 28, 2024)
  2. Ark. Code § 18-60-307 (FindLaw copy)
  3. Ark. Code § 18-50-111 (FindLaw copy)
  4. Legal Aid of Arkansas: Apply for Legal Aid
  5. Arkansas Securities Department: File A Complaint
  6. Ark. Code § 18-50-103 (FindLaw copy, current as of March 28, 2024)
  7. Ark. Code § 18-50-104 (FindLaw copy)
  8. Ark. Code § 18-50-105 (FindLaw copy)
  9. Ark. Code § 18-50-107 (FindLaw copy)
  10. Ark. Code § 18-50-108 (FindLaw copy)
  11. Ark. Code § 18-50-109 (FindLaw copy)
  12. Ark. Code § 18-50-112 (FindLaw copy)
  13. Ark. Code § 18-50-114 (FindLaw copy)
  14. Ark. Code § 18-50-116 (FindLaw copy)
  15. Ark. Code § 18-50-117 (FindLaw copy)
  16. Ark. Code § 18-49-103 (FindLaw copy)
  17. Ark. Code § 18-49-105 (FindLaw copy)
  18. Ark. Code § 18-49-106 (FindLaw copy)
  19. Arkansas General Assembly: Act 306 of 2025 (HB1238), adding Ark. Code § 18-50-118
  20. Arkansas General Assembly: Code Sections Amended, Title 18, 2025 Regular Session
  21. Arkansas Law Help (Legal Aid of Arkansas): Foreclosure, last updated September 28, 2026
  22. Arkansas Attorney General: Foreclosure
  23. Arkansas Attorney General: Foreclosure Rescue and Loan Modification Scams
  24. Arkansas Homeowner Assistance Fund (program site, administered by ADFA)
  25. U.S. Department of the Treasury: Homeowner Assistance Fund
  26. Arkansas Securities Department: Mortgage Loans