Recovery from guarantor

I stood as a guarantor for a loan through a co-operative society (Patpedhi) (Location Navi Mumbai) in the year 2017 now the borrower has not been paying the EMI however I understand the fact that the guarantor is liable to repay. but my question is : 1) when the bank contacted me a few months ago and said the borrower and his wife who is also a co-applicant have not paid a single EMI since they took the loan, why it took them to realize that they have not received a single penny for >2years, why they waited so long? 2) also, I was not aware that the borrower's wife is a co-applicant in the loan, and how did the bank sanction the loan when the borrower's wife is just a house-wife with no income. 3) They have not initiated a single action against the applicant &co-applicant and directly holding the guarantor liable for all their dues. 4) The bank has frozen guarantors bank account/salary accounts and are also visiting my office, sending direct letters to our company HR to debit my salary. This has really caused me mental harassment and might also lose my job because of these procedures. My company is under no obligation with the bank to debit my salary. 5) what are my legal options? please advise.