Can A residing property be seized by the bank under sarfesai

Hello, I had taken a loan of Rs.22 lacs from a cop-op urban bank and till date have repaid them 28 lacs. I was irregular in payments due to loses in business. But now I asked the bank for OTS. They never let my account go NPA for last many years. And under Garnishee act the bank always freezes by Guarantors accounts. Because of which I have to pay the overdue amount always. But without giving Garnishee notice they directly freeze the account. It has due to which I was not able to fall under OTS. The bank is still saying I am liable to Pay still 20 lacs to the Bank and even refuse to give me OTS scheme. The Bank had taken mortgage my residing house. And now threatening me to auction my house and recover the amount. I have a dependant Mother, Wife and 7 yrs old daughter. Currently I started working with a Company in outer state with a mere salary of 30000 PM. So needed some advice on how to get out of this problem. And stop Bank activities regarding my house under sarfesai. Also can have some legal opinion about garnishee. because the bank always freezes my guarantors account because of which I am forced to pay the overdue and results in non available to get the benefit of OTS. Please help with a solution to overcome this very disturbing and depressing situation. Thank you