Well, the bottom line is if he has always had trouble with money (i.e. poor credit history), that probably isn't going to change (at least not with a lot of help, and him making a huge effort to improve it). My guess is he's on the immature side and more fun than responsible. That may just be who he is (if I'm correct in my guess), you probably knew that before you married him, and there was something about this which attracted you to him.
So... rather than bemoan these facts you'll have to figure out the best way to deal with this. It may be that with his immaturity with money and current depression (the two making it super difficult for him to keep up with finanical responsiblity), you'll need to figure out a way you can keep up the mortgage yourself... or some other alternative (i.e. change your personal budget, sell, rent a room or the house out....etc...). You're just going to have to stop relying on him and figure this out on your own. Consider your husband "mentally ill" with depression. If he died tomorrow you'd still need to take care of this. Sometimes we really do need to be prepared to be fully self-sufficent. Actually everyone should do that...
Then you may need to look at your marriage... If you have kids they should come first... would they be devistated without your husband there? Is it worth it to destroy the kids? Is he a good dad who spends time with them and loves them (hey that's VERY valuable!!!! Not all men are great dads or spend qualtiy time with the kids), the cost of excellent, loving "childcare" is priceless.
Of course, you can always give the ultimatum (if you're willing to follow through). You can tell your husband to put you, or a professional in charge of his finances or the marriage is off.
Yes, it's a shame we all have to live with problems we shouldn't have to live with. But that's life. It's not always a pleasure cruise.
There is no arriving, ever. It is all a continual becoming.
