Personal loan and rules for payment

Unfortunately I lost my job and its two months now that I am looking for a job. I have a clear intention to pay my emis but I could not due to my work. That I dont hv. I get frequent calls that became a night mare in my life. My health is going bad, loosing weight n mental stress and presure. I had gone to meet branch to talk to manage for time with a witten letter but the agent talking to me uses this letter as my tachnic to avoid paying.My question is q)when can a bank suit civil on being a defaulter and After being defaulter for how many months? B) its my first loan n I hv paid 5 emi n n its 2 month now that I could not pay because I am not working can collection department guys come home and do collection from my family members? C) can they tell the other member of the family or neighbours? D) can they take things from my dads house that does not belong to me? E) will I not be able to get loan in future if I complain a case of treat? F) can I kn laws or rules bank should follow at time when there is a default of payment? G) I hv intension to pay but I need time? Bank says its not their problem if I m not working. N any how I have to pay. How can I pay only thing wt I hv is myself, My heart n my kidney n my blood n my skin. Can I sell off this n pay then? H) can bank use this write up in kaanoon against me?