I believe marriage is based on trust, commitment and open communication. If you don't have any of these, there is nothing to build upon. When I got married, my Mother told me if we wanted something (i.e., house, new car, etc), we would have to work together to achieve it. Now, this doesn't mean both parties have to work, but you have to come to a consensus regarding money, savings and how you live. One cannot work and the other constantly spends.

I can't blame you for the car incident. Also, to add to your grief, do know this stays on your credit report for many years. His excuses are lame and poor. He is a spender and doesn't care about you nor the child. If he did, he would not have done that with the car. I would be so angry.

There is an old Southern saying "You can do bad all by yourself!" Translated, you dont need a man to bring you down. Personally, I could never be able to trust him and would worry constantly about the bills.

A good Father would not have a car repossessed. What's next, the house?

I believe you need to really think long and hard about this situation and your suffering. I truly wish you the best!

Sweetheart I am afraid there is only one thing you can do......make a decision ...do you want to be in a relationship that is divided and guard your money for ever or move one and find someone capable of being a solid accountable partner. These kind of overspending/money/debt issues will never go away and if you arent careful he could jepordize you and your sons well being.Some people dont know the value of things and dont care what is right or wrong.... you cant change those people..it is in the core of them.. The car situation would of been what forced me to draw those "D" papers.....he took advantage of a gift from your family...the same car that gets your son around.......my goodness..he upsets me. Get strong girly...kick him to the curb..you have had plenty of warning....if this all isnt convincing, think of the man you want your son to be...do you want him stealing your things or money because daddy did? Some things are unforgivable hun..this one is up there with cheating

In my opinion, you should make him understand the bad effect of situation on your kid. As you had mentioned that he doesn't manage money at all, so here you have to help him. He requires your help, being a good father, I think your really can help him to manage money. And the money management is the only problem in the entire case.
Its easy to bring a change in a father than in a husband. You handle him as a father of your kid.

You have to decide if you want to save this marriage first. Have a discussion with him about whether or not he wants to be in the marriage. Money is the biggest reason people get a divorce. You both need to sit down and go through all of the expenses and income that you have to see where each of your are financially. I think you are going to find that with your husband things are far worse than you think they are. He most likely doesn't even realize how much he is spending versus bringing in. You may need professional help to fix this but you can try on your own. List where every penny that is currently being spent goes. Divide it into categories including cash expenditures and widthdrawls from the ATM. Then look at how much is coming in versus how much is being spent. Show how if he continues at this pace the amount of debt he will have accrued in 5 years. Also, look at how much debt he currently has. Then, take what he earns, take away anything that is not necessary and give him a budget that includes repayment of money owed that he has to live on. He needs to prove that he can be responsible with his money. I suggest you watch a show that is on CNBC called Till Debt do us part. It plays on the weekends. It shows people in a similar situation and how they had to change their ways in order to save for retirement and pay off debt. It is not an easy task to accomplish. However, the lesson for your husband and your marriage is too valuable no to try to do it. If he isn't willing to change or even try it then you may have your answer. You might end the marriage but then, you won't have the stress or worry that your assets are being leined without your knowledge. I wish you luck as this is not an easy thing to get a handle on. It is going to require work from both of you. If you do work through it then you should get to a point where you can merge your accounts and act the way a marriage should be. Two people working towards a common goal.