The only way to have access to your stuff is if Sony lifts the ban. That is the only way. And yes, if you have used foul language on Home (or any game for that matter), Sony can ban you.
If your account got banned, then you can still use your PS3 online, but will have to use a different account (without access to previously purchased content). If your PS3s MAC address is banned, you will need to buy a new PS3 in order to play online. If your IP address is banned, you will have to move, buy a new PS3, and set up a new account to play online.
The best thing for you to do is to call Sony and see what the exact problem is: 1-800-345-SONY (7669).
It may have been your PSN ID. I had a friend whose PSN ID was BADASS_BILLY, and he got banned because someone reported him for the name. Once he called, Sony explained the situation, they changed his name (that he picked) and Sony gave him access back to all of is content. If you have a vulgar PSN ID (or one someone else thinks is vulgar), it may have been banned because of that. Make a call and find out for sure... that will help answer a lot of your questions.
Secondly, my suggestion would be to do a little self education while your account is banned. By reading your question you clearly need more focus on education than video games.
and to the 2nd part of Ripcord's answer ur an idiot
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