I have an immediate relative like this. In this person's case, he only found out later in life he had ADHD and it played a major role in how he handled finances throughout his whole life. In short, he was always chronically late and slow to do day to day things, and couldn't organize or prioritize in other areas of his life, so why would finances be different?
In the case of this relative, he almost lost his house and job and a credit counselor (not the same as those companies like you mentioned....usually free or low fee sometimes private or through local government or county) was needed to help get him organized, help him track down all forgotten creditors and bills so a payment plan could be put together, and to help referee the ensuing fight when it was determined his spouse should manage the books instead of him. He had access to the account created for his personal spending account and was present for bill paying etc., but he was not allowed to allocate funds for bills, the household, or his spouse's personal spending account.
They also got a program like Quicken so they could see everything in print and easily know what was due, when, and what funds were available for paying it. Whatever bills could be paid through an automatic account were done that way to cut down on the temptation of spending the money elsewhere or on frivolrous stuff and it helps with having to remember when to make payments or write a check etc. because it's automatically taken care of for you. The key here is to remember when the automatic withdrawls will take place so you don't bounce checks. You may have to set up an account just for those types of bills if it's too tricky for you to remember.
In the case of your spouse he probably started using the temporary credit when he lost track of regular bills. Don't need to tell you they're sharks and will drive you to the poor house faster than a credit card, but you need to stress to him that this isn't a viable solution when funds are short. He needs to understand that it's always better to swallow your pride and make arrangements with creditors. Hopefully a credit counselor will make that clear for him.
If worse comes to worse and you aren't willing or able to do the payment plan a credit counselor sets up or recommends, consider filing bankruptcy and start from scratch before you lose your home. Things will be tight, but that's a small price to pay to get everything out in the open and cleared up so you can move forward with you handling the finances.
Last but not least, in the case of your spouse, it may not be an inability to stay organized, but an actual spending addiction at play here. He may need actual therapy...not just credit counseling to get at the heart of why he is doing strange things with bills and money. Maybe he has issues that you're not aware of. Do you know where he is spending the money? Is it on other things besides household expenses? Does he have credit accounts you don't know about? This is very important to find out. He may be hiding something way worse than messed up credit from you. Now is the time to find out. You can pull free credit reports once a year. Pull for the both of you from all 3 major reporting agencies and find out what is actually out there on you two and take it from there. Make it a habit on your part to pull credit once a year to keep tabs on debt so you won't get anymore surprises.