At the risk of sounding trite, people observe the bromidic phrase "Time is money" -- and there are few arenas in which this admonition better applies than the mortgage foreclosure case. One of the primary imposers of the dreaded time is the litigated action. The litigation process is most oppressive in judicial foreclosure states where the pitfalls can waste months. Assuming the likes of subordinate mortgages, mechanic's lienors and judgment creditors cannot defeat the foreclosure action, the only definition of success for that holder of a junior interest is to claim against such surplus as the foreclosure sale will generate. Surplus is diminished, however, concomitant with the time and effort expended by plaintiff in forging through the foreclosure. Defendant's attorney should be enlightened, and that is where self-help can persuade the lawyer to withdraw the answer.