What is the ruling on a young man and woman continuing to communicate by phone, free from prohibitions, while feeling remorse and desiring marriage, yet the young man is currently unable to propose?

This indescribable love you have for this girl, and your words about her, indicate that your heart is empty save for her desire, and this is dangerous. There are duties and responsibilities more important than love and infatuation. You must re-examine yourself and occupy yourself with what benefits you in your religion, your worldly life, and the issues of your nation. This love is often false and ends in failure, and studies have proven that marriages built on prior acquaintance end in divorce. Either marry her or cut off your relationship with her and repent for what has transpired from you.