Such a good idea to consult a lawyer when you have financial considerations and you wish to stay in your residence. That's their job, to know the law, to give you solid advice that you can rely on.
It's much scarier to think about this stuff when you don't have all the facts. The what if he and what if I and what if they will drive you around the bend.
Once you have a consultation and know where you stand - you will feel SO much better. Imagine having someone on your side.