1)in case summary suit is filed you have to take the defence that blank promissory note was signed by you and details have been filled in by the lender . Material alteration was made by lender
2)no loan of to 5 lakhs was taken by you and only one lakh was borrowed
3) court may grant you conditional leave to defend on depositing amount in court
4) if cheating case is filed in court you will be issued summons and contest case on merits
5) you can obtain bail from court