Hi, I'd like to help you with your question.
It is always hard to know how to handle situations when you have a loved one who is addicted to alcohol or drugs. Your natural desire is to be there for them and help them anyway you can. But this is exactly what makes the situation worse for someone who uses.
It is important that your son learn to deal with the consequences of his drug use. So far, he has not. This money settlement has made it even easier for him to access drugs so he can use. And he has not taken responsibility for his life, as evidenced by him calling you to bail him out of his problem. Only when your son hits bottom will he have a chance to accept how addicted he is and how he needs to turn his life around. And although it is very tempting to help him each time he asks, it is not in his best interest to continue supporting him.
Is there any way you can confirm that his car was stolen? Given his history of drug use, he may just be telling you this to get the money from you. Or it could be true. Either way, there are other options for him. How about sending him bus money? He could get bus service out of Philadelphia and come back home. Bus fare is not that much and it would restrict his ability to access his fund money.
You may have already tried this, but has anyone considered an intervention? Since he has been in rehab several times, I thought he might have been through one, but I wanted to suggest it just in case. Here is a link to help with more information on interventions:
The best option in handling your son's drug addiction for you and your family is to continue contact with your son but restrict his access to you and his money. Allow him to be responsible for his own life, just as you would for any other adult child. It sounds like you have taken very good steps towards this so far.
You may also want to consider therapy and support for the rest of your family. Coping with a family member with a drug problem is highly stressful and can cause depression and anxiety. Consider talking to a therapist. You can find one at http://therapists.psychologytoday.com/rms/. There is also a lot of support through on line support groups. Here is a link: http://www.helpguide.org/mental/drug_substance_abuse_addiction_signs_effects_treatment.htm
Here are some other resources that may help:
Love First: A Family's Guide to Intervention by Jeff Jay, Debra Jay and George McGovern
Reclaim Your Family From Addiction: How Couples and Families Recover Love and Meaning by Craig Nakken
Don't Let Your Kids Kill You: A Guide for Parents of Drug and Alcohol Addicted Children by Charles Rubin
You can find these books on Amazon.com or your local library may have them for you.
I hope this has helped you,