I'm not sure about your sitch either, but do YOU have the money to pay the payment? He must have tried too (returned check), but doesn't have enough. Maybe he felt too bad to tell you? How would you feel about just asking him about it? Them maybe he can give you some and you can cover the rest? Then forward, just try to work something out, like 60/40. Would you consider taking out any home equity or refinancing it? Just my thought.
