C.C.
I would recommend that you take over paying the bills. If you do not already have a program like Quicken or MS Money on your computer, you can buy one online to keep track of your family's finances. Then, give your husband an allowance. I know that sounds demeaning, but if he is putting your financial well-being at risk, it will be worth it for him to go on a "financial diet." And it is worthwhile for you to know exactly where you stand in terms of debt. Please remember that if your husband has run up credit card debt or has fallen behind on any payments, that will be your shared responsibility if you divorce. We live in a no-fault divorce state, after all.
I think the smartest thing you can do is take control of this situation yourself. Once you know what debts you owe as a family, you can set up a budget and stick to it. Take away your husband's ATM and credit cards and give him cash. Maybe he will need to take his lunch to work instead of eating out. Maybe you'll need to cancel some of the non-essentials (cable tv, eating in restaurants, etc). But you'll be better off knowing exactly where you stand and why there's no money left over at the end of the month. Also you may find that your husband is relieved to give up control of this - it sounds like he's not a great money manager so I can't imagine he truly enjoys being in charge of the family finances.
Good luck. I just went through this exact same thing - I thought my husband was responsibly managing our finances, but was shocked to discover that he was not. Come to find out he didn't even know how to balance a checkbook! I couldn't believe it. I'd given up control of our finances when our oldest child was born (husband had more time to deal with it at the time). Huge mistake! I'm back in control now but it will take a while to fix the mess we're in. Live and learn!
A book I found helpful and easy to read about managing finances was "The Wealthy Barber." You may want to pick up a copy from the library (or I can send you mine, let me know).
Best of luck to you.