Stop payment on ALL the checks, not just the rent one. I know it will be hard and difficult child will get ugly. Part of being 18 and an "adult" who can "make his own decisions" is supporting himself and paying his debts. You have got to let him make this choice and NOT pad it. I KNOW it hurts. I KNOW he will say HORRIBLE things and it will HURT and you would probably hurt less if he just shot you with a gun that kept sayign this stuff.
What he is saying is a way to manipulate you into paying his bills so he can go party. If CC is so "beneath" him then he SHOULDN"T go there. The CC is full of people who want to learn and are not beneath learning in ANY environment. WHAT, exactly, does he think makes him too good for CC? His extensive use of pot? His extensive knowledge of what? His experience in life? His achievements in a 4 yr university? WHAT?
This isn't going to be an easy lesson for any of you. He is NOT the son you raised right now. He is a drug user and drug addict and the drugs are doing the talking. He KNEW you would not buy hsi story that it was all due to Andy's breakdown. So he got you out of the room and "confessed" to your husband. That isn't uncommon. I have heard guys in AA talk about how they knew one parent wouldn't buy their story so they found a way to tell the other parent and got support for their addiction that way. I also know poeple who told other drug/alcohold abusers to go and do that. I am sure his friends made some suggestions as a way to help with his bills.
Cancel ALL the checks to his creditors. Tell him he owes you the cancelled check fees and the ONLY way he will continue to live at home is to give up the apartment, get into counselling, get a JOB and go to the local CC. IF he is TOO GOOD for that, then he is TOO GOOD for your $$$$ and he can go solve this stuff by himself with all his experience and too goodness.
I KNOW this is HARD to do and I sound HARD. But if you pay these bills for him then he won't learn ANYTHING. He now thinks he has won, you have paid his bills and he can return to doing whatever he wants. He would have been MUCH smarter to register for CC and drop out later - leaving you out that $$ too.
That CD is a non-issue. It is a way to distract you from the real problem - the drug use lifestyle he has chosen. If drugs are not so bad and he isn't doing anything wrong, why can he not pay his bills and support himself? If drugs are such a GOOD thing in his life, why did things turn to yuck when he got into that lifestyle?
He needs help but you have to play hardball to make it happen. IF you let him have the $$ for the bills, he will NOT change. Make him PROVE he is going to therapy, living drug free (multiple random drug tests at home) working the 12 steps/a recovery program, working at a job AND taking 1 or maybe 2 classes at a time and getting good grades at the CC.
If he isn't ready to be clean, sober and in recovery, the he isn't ready to live at home and spend your $$. It needs to be the bottom line. I am sorry it hurts so much.
PLEASE, for your other kids, do NOT let him live at home and cause chaos. The other kids need to know they matter as much as he does and that you will NOT tolerate him turning their lives upside down because he wants to do drugs and is too good to go to the community college. You do him and them no favors by putting his problems above their welfare. I lived that life, and it did NOT do good things for my long term relationship with my parents. I resented it then and we work HARD to deal with now because I have little trust in their ability to put even my kids above my bro's gfgness. You dont' want that. They are special and wonderful too and need to be protected from his life choices right now. I know it sounds harsh, but parenting isn't easy or fun lots of the times. They are still minors and don't have the options he does. If he makes bad choices he has to suffer or he won't change and they shouldn't suffer because he made bad choices. It is hard to balance.
(((((hugs))))) I am so sorry.