what is the recourse for
A recourse state is one that allows mortgagers to pursue additional legal action in the event of a mortgage default situation. In addition to the normal foreclosure process associated with a mortgage default, the mortgagor may be able to pursue additional action in order to recover damages from the plaintiff. In contrast, a non-recourse state prohibits mortgagors from suing the person on top of the foreclosure process. Public policy indicates that many feel that the foreclosure process is already severe for the debtor, and allowing additional damages may sometimes create unnecessary hardships.