Money lender's harrasement, 138 case

Hope you shall take it positively.

Approach ASAPa local senior very able counsel of unshkable repute and integrity specializing in such/civil matters with entire case file.

why was it filed..Did you default on money return? Are you rightfully correct on your side?

Incomplete facts which are not sufficient to render any reply. There is no uniform rule to contest and defend case u/s. 138 N.I. Act.  Depending on facts of each case, there are different ways to defend and counter the case. So consult a lawyer with all details.