First, be aware that unless you an attorney, you can't file Chapter 7 for them--at some point, if you do too much to help them., you may be taken to be practicing law without a license.Second, do your parents have a defense to the debt--either to it entirely (e.g. they can show there's an error and its not their credit card debt) or to its amount (e.g. they can dispute some charges, or show they already made some payments). If they have a defense, it's definitely worth responding. After all, bankruptcy typically results in the debtor still having to pay *something* on the debt, even if it's only dimes or pennies on the dollar; the more debt they can eliminate before bankruptcy, such as by defending a lawsuit, the better off they are.If they have no defenses, then it might not be worth defending (given that they are intending to file bankruptcy), though if they simply respond to the summons and complaint with an Answer, they may buy more time to consider their options.