Deedee It was a really good move to call the mortage company. Leaving the child out of this is the best way for the child. I was thinking that maybe you could ask him to leave until everything is final. If he won't leave could you stay with a family member or friend until all this is over? Personally I think that you should cut all strings with him. I think that he thinks that if he and this so called friend of yours won't make it, than he thinks that your just going to let him come right back into your life. Even if you still want to go back you can't do it on these terms. You need to let him know it's my way or the high way.