Money Recovery Procedure

My Wife Given 3 Lakhs Rupees to a friend of her through Bank Transfer, without any agreement and under the condition that will repay within one month.This transaction happened 2016 March and she didn't pay back for many months and after my intervention in 2017-May, she issued 4 cheques 30K+30K+40K,+1 Lakh+1Lakh (Total 3 Lakhs). In fractions and dated different dates of September-2017 and OCT-17. First, three cheques 30K,30K and 40K dishonoured in October-2017 and after many talks, she deposited 30K in my wife's account right after the bouncing of the 30K cheque. And in January-2018, 2 cheques for 1Lakhs(2Lakh Total) Bounced. I send her Legal noticed for cheque dishonour case within 15 days getting the bank memo. Which she didn't accept and returned to my advocate days back. My advocate Asking me to file Case under Negotiable instrument Act Sec-138 for cheque dishonour (For the 2Lakhs cheque -As the rest cheques bounce 3 months back). My queries, 1)Can I file a Summary suit for speedy recovery of money as we are in the urgency of money? 2)What is the court fees for filing NIA-138 in my area?(Bhaynadar(Thane District). 3)As she deposited 30K in 2017 Oct and also deposited another 15 K in April 2016; right after debiting 3Laks Many telling us that she will also get a defence that, she gave us interest, which we are not supposed to take as we don't have money lending licence etc (A possibility of worst case scenario by her advocate-May be too much fantasy ) I know it's a too complicated Message, Please feel free to ask for any additional information. I need an immediate Suggestion Thanks in advance