I was wondering how I need to answer the court, if I have no interest in the home, and I welcome a speedy foreclosure. I surrendered the house in my bankruptcy, which was discharged several years ago. My wife, who I am separated from, was also served, however, she was not on the note/loan for the house, and gave up her interest in the home by signing a quit claim deed when we initially separated, which was before there was any default. Does she need to answer? Am I responsible for any costs dealing with this lawsuit, or does bankruptcy protection protect me?