I struggle with this so I am the wrong person to give you this advice, but you HAVE to let him fail. you have to let him be depressed. You should not talk to his mom, you will end up the bad guy in her eyes and his. Unless he is planning to harm himself or something. Financial self harm is his business.
My H destroyed my credit as well. Many times. Never again. The funny thing is before I kicked him out, I spent almost a year cleaning his credit. While he was online with OW, I was laying awake in bed worrying about his freaking FICO score.
But, I can honestly say I dont care one small, tiny bit about HIS credit right now. And it feels awesome!
Me: 42 H: 45 M: 18 yrs T: 20 yrs D: 17 D: 15 S: 12 I kicked him out 8/21/15 I will DB until March 21st 2017, that is it!