(a) It shall not be necessary in any action upon a mortgage or lien to enter an interlocutory judgment or give time for the payment of money, or for doing any other act. In such cases, final judgment may be given in the first instance.
(b) In the foreclosure of a mortgage, a sale of the mortgaged property shall be ordered in all cases.
(c) In an action on a mortgage or lien, the judgment may be rendered for the sale of the property and for the recovery of the debt against the defendant personally.
(d) Whenever a mortgagee reasonably believes that mortgaged property has or will be affected by a release or threatened release of any hazardous substance including, but not limited to, those defined by 42 U.S.C. § 9601(14) and (22), or § 8-7-403(a)(8) [repealed], or § 8-7-503, the mortgagee may proceed against the mortgagor personally to recover the debt, without need to first seek a sale of the mortgaged property.