@ Author
Have read your facts. Agreeing with your last observations on few time pass non-legal metro women writers squatting in legal forums.
I as one of the professional from legal fraternity have following observations to make on your facts;
You seems to have shown 'societal maturity' in handling your about to become volatile familial situations till now, yet, you somehow overlooked most crucial culprit from facts of your experience till date in your marriage.
1. Continuing from where I left in abv. para the overlooked culprit is called 'postpartum blues' and in layman's language and or as per DSM IV manual of psychiatry it is expanded as Postpartum depression (PPD). Reading down your narrative briefs it shows your wife comes from a very in-secure background and at one point of time you gave her your tough shoulders and thus quickly love marriage was performed and immediately the first child out of wedlock was also born. Understand that women from in-secure background takes lot of time and efforts to feel that they are now in a secure environs. The trick here is to have postponed her first pregnancy for a later date !. But then many married men in India unknowingly are not trained to read the signs of PPD blues due to cushy homely atmosphere and lack of social female dating culture while growing up. Nothing wrong - nothing right in all these but then this is the damage the relationship showed which you have converted into few writing before us seeking may be legal remedy. Well not all situations can be converted into legal for a simple fact Law says "come with a solution" we will give verdict and the person who matures to bring solution is the winner of h/er situations in life. So solution is within you just need a tunnel vision without prejudice of upper story wisdom.
2. It also shows from your briefs that she is converting her expressions of in-security into ink before various Authorities instead of solving with help of neutral men and agents common known to both of you and or even with face-to-face talk. The few reports before PS and Women Cell are illustrations of the same yet show several indecisiveness of a married women with a tagging minor child who is probably end up bringing in a in-secure home and this is the history which shall not repeat is the goal you need to target upon. In such cases Authorities mediate between couples upto certain level to diffuse the situation and beyond that they tell parties to approach Court for contesting as per facts all their personal issues. As you asked us what happens in mediation before such Women’s Cell then what they do is they convert such written complaints (especially in Delhi n NCR) with written permission of DCP into Complain matters to go before Court only if enough prime-facie evidences / pressure from feminst lobby are shown by the complainant (i.e. your wife). As you say reading the complains that they are not having enough grounds / evidences / factual matrix therein then it shows she is simply fishing and indecisively creating muddy waters courtesy her so called current advisory circles. Further your willingness to participate into PS and Women Cell impromptu enquiries / when called for and the personal leads taken therein to grip the situation is reflecting positive attitude to save a marriage.
3. A small effort you now have to make and it is called neutralising her ink effects before Law; i.e. you are presumptuously required to file a cross application as milder version from a husbands as his statement say before same authorities i.e. before the next date of counseling (before Feb.) do it and take a receiving (stamped / signed) copy of your application from same authorities. If they refuse to give same then send it by Registered AD post and file a RTI to Postal Department to give you receivers name and date of delivery for this RPAD application. Now the matter / content of your milder ink version is; plea for not breaking your marital home and informing her to come back to matrimonial home with minor child ! The opening of such application shall start with thanking the authorities to have given you opportunity to hear your (verbal) say upon calling you on such and such dates before them on complains of your wife. Immediately after this opening para mention your genuine plea for helping the mentioned couple in re-uniting in the name of minor child safety, security and best interest. Since you seems to be mature person I need not have to spell out exact verbatim of this application but essence is mentioned above and same should be crisp and short simple 1 A4 page. This is also trickily called evidence generation of good practice of a husband followed as societal expectations in such troubled situations and comes very handy in Court.
4. Take copies of her complains against you as well as your friends and family members roped in as mentioned in your brief(s) who went to her to help both of you on societal harmony point of view. She did make a mistake to rope in men and agents of yours by name as you stated in your brief as that is what a husband is supposed to show cause who believes in maintaining marital harmony and cannot be allowed to expect to ideate his breaking matrimony for long as is Court expectations also states same in case future course is Court and no other options is left between! This is perception of Court of Law in case in future if any case falls before Jurisdiction of Court.
5. Concerning Credit Card / Loans facts I can only observe that it is between two people in matrimony who are supposed to look after helping each other in finances and even if you have used her card(s) for any loans or withdrawals, amicably settle the same as top priority point of adding few more giving sense of security to her already in-secure background which is still continuing as is given to understand from several briefs of yours.
Lastly do socially interaction with female elders in family to understand postpartum depression and invest time in unilateral consultation with sr. psychiatrists from a reputed Hospital to understand safe handling of postpartum depression and break the ice, it is all doable and married husbands in India in such situations shall not feel ashamed to have sought such professional helps.
I shallnot write a Judgment and or predict the future course you and/or your wife may take legally if any. It all boils down to her environs and battery of ill-advised advisors company she may be forced to keep for long as "idle mind is devils workshop" so take faster pro-active steps as responsible husband if marriage is needed to be saved as you reiterate in several of your briefs. You see, a married man derives maximum solace in life once he creates positive vibes and by his actions to save his own marriage and gets a really ‘good night sleep’ after doing all he can and if he can’t get THAT sleep then destiny has something else in store for that man so trot positive in life and all clarity comes with it.
Finally you have been on right track taking help of a Lawyer and tagging him/her to PS and or probably going to take him/her in future to Women’s Cell and probably are getting basics of marital Law understood as advises from him/her - visiting legal forums which you keep in mind as educative inputs but pay less attention to legal mumbo – jumbo legal inputs if marriage needs to be saved and minor Childs future needs to be protected.
Keep a healthy positive outlook to your marriage with few tweaking here and there after all indian marriages demands such tweaks from time to time.
All the best it is all doable social practice procedures in marital life of a Indian husband.