He came really close to losing the job last month
He didn't have to work yesterday and he stayed home getting high/drunk while I worked until 5:30.
I come down hard on him for spending too much money on alcohol, drugs.
Right now we are having EXTREME financial difficulties and have to share a car since we can't afford to put one of them in the shop.
we are 3 months behind on the mortgage along with about 8 bill collectors calling and utilities behind
I'm scared to death that we are going to lose everything because of his actions. I'm scared.
These are just a few excerpts from your post. I fail to see what part of this is normal healthy family life OR better than being a single mom.
You are worried about losing everything and you are declaring bankruptcy because of his drug and alcohol problems. And you still make excuses for him. And what's he doing?
He keeps saying to please give him time
You have every right to ask him how much time. Why wouldn't you? This is your future - your car, your house, your kids, that you are talking about.
What is this teaching your children? That this is normal family life?