Type:   NJF
Party:   Citizens Bank NA Fka RBS Citizens NA
County:   Lonoke
Attorney/Contact:   Albertelli
Property:   45 Green Apple , Ward AR 72176
Property Description:  


Prepared by: Albertelli Law, 1 Information Way Suite 201 Little Rock, AR 72202, (501) 406-0855, ALAW File 23-010530. MORTGAGEE’S NOTICE OF DEFAULT AND INTENTION TO SELL. YOU MAY LOSE YOUR PROPERTY IF YOU DO NOT TAKE IMMEDIATE ACTION. IF THIS PROPERTY IS SOLD YOU WILL REMAIN LIABLE FOR ANY DEFICIENCY WHICH THEN EXISTS AND AN ACTION TO COLLECT IT MAY BE BROUGHT AGAINST YOU. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR SUCH PURPOSE. NOTICE IS HEREBY GIVEN that on December 8, 2023 at or about 11:00AM, the subject real property described herein below will be sold at the Main Entrance of the Lonoke County Courthouse, 301 North Center St., Lonoke, AR 72086 to the highest bidder for cash. The sale will extinguish all interests, including those of existing lien holders or previous owners in the property. THE TERMS OF SALE ARE CASH THE TIME OF SALE AND ALL TRANSFER TAXES WILL BE THE RESPONSIBILITY OF THE PURCHASER. WHEREAS, the property secured under the Mortgage is located in Lonoke County, Arkansas more particularly described as follows: LOT 105, ORCHARD HOLLOW ESTATES TO THE CITY OF WARD, LONOKE COUNTY, ARKANSAS. Street Address: 45 Green Apple Ward AR 72176. WHEREAS on January 5, 2022 Emily Hankins, an unmarried woman,  executed a Mortgage in favor of Mortgage Electronic Registration Systems, Inc., as nominee for Chambers Bank. Said Mortgage was recorded on January 7, 2022 as instrument number 2022-00367 in the real property records of Lonoke County, Arkansas. Mortgage was subsequently assigned to Citizens Bank, N.A. by virtue of an assignment dated June 16, 2023 and recorded on June 28, 2023 as instrument number 2023-05630 in the real property records of Lonoke County, Arkansas. The party initiating foreclosure can be contacted at or in care of its servicer initiating foreclosure at: CITIZENS BANK NA f/k/a RBS CITIZENS NA 1 Citizens Plaza Providence RI 02903 at Telephone No. 877-745-7364; and WHEREAS, there may be tenants that claim an interest in the real property herein based upon said tenancy; and WHEREAS, the undersigned is the attorney for the mortgagee and is acting on and with the consent and authority of the mortgagee who is exercising its power of sale under Ark. Code Ann. §18-50-115 which implies a power of sale in every mortgage of real property situated in this state that is duly acknowledged and recorded; and default has occurred in the payment of said indebtedness, specifically the installment due April 1, 2023, and each subsequent payment to date are now due; and the holder of the debt has requested the undersigned to sell the property to satisfy said indebtedness. This sale is subject to all matters shown on any applicable recorded plat or bill(s) of assurance; any restrictive covenants, easements, set back liens or encroachments; any unpaid and/or delinquent taxes or special assessments; any statutory redemption rights of any governmental entity; any prior liens or encumbrances as well as any priority created by a UCC or fixture filing; and, to any matter that an accurate survey of the property might disclose. This property is being sold "as is" with no representation as the condition of any structure(s) thereon or the accuracy of the above legal description. Transfer taxes and recording fees are the responsibility of the purchaser. WITNESS my hand this 4th day of October, 2023. Citizens Financial Group, Inc., by its attorney-in-fact, Albertelli Law, Kevin Rogers, ABN 2012031, 1 Information Way Suite 201 Little Rock, AR 72202, 501-406-0855, A LAW No. 23-010530. DR4T-11/14,11/21,11/28,12/5/23