My best advice is that you schedule an appointment with a bankruptcy attorney immediately, especially if you have assets you do not want to lose. You've already lost the property that has been foreclosed on and you are at risk for wage garnishment, a bank levy or having Wells Fargo put liens on other assets you own assuming it wins the lawsuit. Filing for bankruptcy will stop the lawsuit and give you time to figure out what to do about the money that you owe the bank. Go here for a free consultation with a bankruptcy attorney