How to approach court to avoid legal action

My father had a 40 lakh CC account in SBI. When he could not pay interest for few months, the manager opened a 20 lakh CC account in my name with almost no document. He took 2 lakh as FD, 8 lakh as interest for my fathers account and my 20 lakh account was left with below 10 lakh from day 1. Now my father had to pay interest for both account which he could not. we had a property worth more than 1 crore with the bank. There after, SBI sold our property for 60 lakh wich was only the principal. I informed my father to object to the selling price but he failed to do so. Bank sent two letters to my father and to me describing the balance amount which is around 40 lakhs together. My share of payment is twice the ration of principle. My father approached DRT, they declined saying he did not apply within 45 days from selling. The loan was taken from SBI near my native in West Bengal. I am employed in a private company in Bangalore. My financial condition is not such that I can give the money. The bank sold the property under valued to a single bidder before 30 days from the auction notice. But I don't know the correct legal process to approach any court. I don't want any legal action against me. Please help me