You are a Govt officer, you decide so many things for the people, tell us what you think, are you doing the right thing or what you are going to do is the right thing?
I dont see your phone call is bad in anyway, even having phone sex is a great joy or having kind of a sex still not spoil your image. But what is wrong is your getting attracted to her, this mental attachment is 100% wrong. Your plan to have sex with her, I cant say thats wrong if you follow the rule.
Personally I dont find pre marital sex or extra marital sex is wrong. Sure you can go ahead and do that, if you know how to control the stuation. By controlling, first and last thing is, the sex has to be paid sex, and there cannot be any mental attachent.
You need sex, go for it, pay and get what you want. Even with this girl, go ahead and have sex, make sure the above rules, it should not be free sex, pay for her service and dont dare to get emotionally attached with her when your wife is going through a labour pain to bring your child to the world.
For people like you, its always the best way of having an extra marital affair with a married woman, that saves two family by not getting obsessed with other. Also bring a habit of spend money, in cash or gift everytime. That will make sure your sex will be more of a having paid sex, no favour someone is doing which makes you obliged.
Final word, this girl seems like a bad news earlier, this girl is going to be a bad news in future. Control your urge for a free sex else this can be too costly in future, from losing your family to a police report to a blackmail, anything can happen.
