small house in the fall

It’s unfortunate that you need a lawyer at all to fight a foreclosure in Wisconsin. Technically, you can go it alone, but there is so much at risk and Wisconsin is a judicial foreclosure state which means your case will get heard in front of a judge. The other reason you may want a lawyer is something called foreclosure recourse. Is Wisconsin a foreclosure recourse state? Yes, it is, and Kingstad Law can tell you what that means for you.

What is a Foreclosure Recourse State?

Essentially, a foreclosure recourse state is any state that allows a mortgage provider to take recourse or legal action against you in addition to the foreclosure. A non-recourse state would allow nothing further beyond foreclosure.


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What Kind of Recourse Might a Mortgage Provider Take Against You?

Model house with house keys

The most common thing a mortgage provider can sue you for on top of your foreclosure is something called a deficiency. This happens when the lender isn’t able to recover the remaining debt on the home and instead, they try to recover it from you.

Luckily, in Wisconsin, there are some protections in place for how much that deficiency judgment can be and some additional incentive for the lender to not pursue such a judgment. However, it can still most-definitely happen in Wisconsin and does happen every day. Make sure you have the legal help that you need when you are facing foreclosure. The last thing you want is to not only lose your home but add an additional debt burden on yourself on the way out the door.

Read More: What is a Deficiency Judgment in Wisconsin?

What States are Foreclosure Non-Recourse States?

Unfortunately, Wisconsin is in good company as most U.S. States are foreclosure recourse states. If you were curious about which states do not allow mortgage providers to take recourse in addition to foreclosure, the list is short with only 12. Those states are Alaska, Arizona, California, Connecticut, Hawaii, Idaho, Minnesota, North Carolina, North Dakota, Texas, Utah, and Washington.

Get a Lawyer to Fight Your Foreclosure In Milwaukee

Are you facing foreclosure right now? Then you need to act fast to ensure that you get the help you need. Luckily, you can get the assistance of experienced foreclosure lawyers at Kingstad Law. We know all the tricks that mortgage companies use to try to get you out of your home, and we know all the tricks we can use to keep you in your home. 

Do not risk something as precious as your home without consulting the foreclosure experts at Kingstad Law in Milwaukee. We will do everything in our power to not only prevent additional recourse actions against you during your foreclosure but also to prevent you from having to lose your home at all! In fact, you can get a free consultation today!


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