"That is what is meant by justification. It is all God's action. We do nothing at all - we cannot do anything at all. We have no works, our righteousness is as "filthy rags", it is "dung", "refuse". We love nothing at all. We are ungodly. We are helpless. We are hopeless. God does it all. It is entirely God's action. It is what He does with these sins of ours which He puts on Christ and punishes them in Him. It is what He does with Christ's righteousness which He puts on us. It is all done to us and we receive it passively from God".
Dr Martyn Lloyd-Jones - "Romans 3:20 - 4:25: Atonement and Justification" - Banner of Truth Trust, Edinburgh (1971) - (p174).