This is all you needed to say about the situation honestly.

You know what must be done.
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After school he told us he was joining the air force...it was a lie to get people off his back.
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Maybe I am not reading you righ., But, the insurance company sent you a bill, on a policy you are not on and they told you are liable for it. Family relation has nothing to do with it at that point. You were no longer on the policy, correct? I don't see how that falls on you shoulders.
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Yea it's something I have to get cleared up, I'm pretty sure they think we're in his policy when we're not or something got fucked up.

Still the point is his reaction was not on.
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You need to make it uncomfortable (comfort wise) to live there, take away anything that you are paying for (wi-fi, food, clothes etc). Give him a jar of peanut butter and some white bread, don't do his laundry, set curfews so that he wants to GTFO.
If you just want him to straighten up and fly right at home make clear what is expected behavior wise from him and make sure he knows that you will evict him if he deviates from it. If he doesn't want to live by your rules then...
Give him X amount of days to leave and if he doesn't, tell him you will serve eviction papers on him and then follow through. Get in contact with your local mental health folks to help find a place suitable for him if he does suffer from mental health problems.
Good luck, it wont be easy for/on you and your wife.
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If you're going to kick him out you should understand that this ending well for him is unlikely. And you have to be ok with that.

He's not going to get kicked out and all of a sudden grow up and stop being a shit head. If anything he'll get heavier into weed/booze etc, resent you and his mother (mostly you) and maybe spiral further out of control.

He'll likely only be somewhat out of your life. He'll complain about how ya'll dont love him, how this is ya'll's fault, he'll guilt trip you and call you to bail him out everytime he puts himself in a fucked situation.

So while he'll be out of the house and you don't have to deal with him on a daily basis, you're really just trading one se of problems for another.
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How does he have maxed out credit cards at 19? Wouldn't he need a co-signer to get them?
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I would have destroyed that insurance company over the phone.

They have zero grounds to touch a relative unless we are not getting the whole story.
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Time for the ole heave ho. Doesn't sound like he'll get his shit together until he's forced to.
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I got my first credit card at 19. It was a crappy $500 limit with Capital One.

I believe a lot of retail stores will approve younger folks as well.
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Knock his head off his shoulders thatll straighten him up
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Maybe, but problems at a distance are always better than problems up close.
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I think I did too, but I also had a job that I'd had since I was 16 and had been an authorized user on my mom's card since then too.

I don't see how a teenager who doesn't hold down jobs would be able to get multiple credit cards. Maybe 1 but if you max it out and you don't have any income, how do get more without a co-signer?
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You're never going to be able to control his actions. So don't even think about them.

Tell him to pay the bill and kick rocks. And be done with it. He is an adult now. He gets pulled over and gets a ticket for expired insurance. Oh well, on him. He gets in a wreck with no insurance, oh well, on him. Those are life experiences one can learn from. Being kicked out onto the street with the colder months coming up, with no means to support himself with proper shelter I don't see how any of that could help.

Parenting don't stop at 18. Not saying you need to hold their hand. But what real good has come from sending someone out onto the streets ever really done for any one other than getting them out of your hair.
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His mom wants him gone?


And you started this thread first??
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