I know I shouldn't be surprised, but it bewilders me that he 'lost track' of his mortgage. His cope is that he was busy and that his bank account was in flux at the time. Nigga, seeing mortgage repayments is not how people remember they have one, it's not like we see a payment go out and think "oh shit, that's right, I have that little ol' mortgage thang! Silly me, I forgot about that." It's the single-greatest debt that most people possess. You should always be aware of something that could absolutely fuck you if you fail to pay, and if you don't it's a sign that you are genuinely retarded. Like it approaches 'you should have a conservator' level retarded. If he was anything but a trust fund baby, this mistake that he's trying to blow off here would've left him and his family homeless. It's hard to understate how serious this is. Kayla must be legally a vegetable at this point to not see the danger here.