Wells Fargo HELOC settlement offer

First of, what a great forum! Here's my story. Just foreclosed 2 months ago on my home that had a first mortgage and a HELOC with Wells Fargo. Both banks agreed to foreclose and first mortgage wrote off the difference from what they received at closing and WF HELOC received $5,000 at closing but that didn't forgive the balance of $95K. Now they want me to pay in one lump sum 30% of balance($28,544) which I obviously can't do! If I had the $$ I would be paying on the loan. This is the first "settlement offer" letter I have received. Any advice would be appreciated. I live in MD.