well, one qn i would like to ask,has your father really been a
father ever, from what you describe, he seem totally nonchalant
about his family.
If he has always been like that,and never cared,you and your mom
should abandon ship quick, cause from the looks of it, he might
just run away with the debts left to you and your mom.
but thats my opinion.
the other alternative would be really to reconcile with your
father,maybe refering to sometime in the past where he showed
concern for the family to start a conversation to find out what
really is going on with him,cuz frm the looks of it theres more
than meets the eye.as for the debts,there is always a way, you
could consider downgrading or renting a house or cancelling other
extra stuff that u may not need, like your scv..stuff like that