Desperately need God's help

I desperately need God's help with a decision that I must make.  My husband is not a Christian; but he is an alcoholic.  Of course this does not have a very positive effect on our 10 year old daughter and makes life in general quite difficult.

The problem I am struggling with right now is this:  Our home is in my husband's name and so is the mortgage.  Because of his drinking the mortgage has not been paid in a few months.  They will probably foreclose on it.  My husband wants me to either refinance the house in my name or just buy another house in my name.  His credit is so bad that he cannot get another loan anywhere.  I don't want him to mess up my credit the way he has his own.  He has no qualms about using someone for money.  He has alienated his whole family this way.  I don't want to be another one of his "victims" although in many ways I already am.

I have been praying about this for some time now and just don't know what to do.  Please pray that God will give my guidance in this situation.

Originally posted by Athlon4all
I would encourage you to remember that you, regardless of how irresponsible and non-believer he may be, you need to be submissive to your husband. The only reason biblically (and I dunno if this even is either) to divorce or rebell against your husband is sexual immorality. I knwo that you may not want to, but in this situation what He is telling you to do isn't necessarily against the Bible. If he isn't specifically telling you to do this then it comes down to whats the LORD's will. I would just enocourage you to still be submissive to your husband, even in the state that he is in.

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I do have biblical grounds for divorce.  We have not had a marriage in any thing but name for almost two years now.  I do believe that God wants us to be submissive to our husbands if our husbands are doing the right thing.  My husband has used deception many times in the past.  He will accumulate debts with no intention of repaying.  I can't go along with that.  If you give your word I believe God expects you to honor your word.  I will not give my word if I know I am not able to keep it even if it means that I am not being submissive to my "husband".  To do so would be to lie.  I believe this would offend God far more than not going along with one of my husband's schemes.

Originally posted by DeputyDan
Hesmyall:

Don't incur debt you can't pay back.
If you lose this home, how will you pay for the next home?
Also, don't ruin your credit rate, you and your child may need it in the future.

Finally did I mention not to incur debt you can't pay back!

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Yes you did and I thank you for the words of wisdom.

Originally posted by Mr.Cheese
My mother is an alcoholic and I had an uncle who drank himself to a slow death due to his alcoholism.
Alcoholism is a terrible thing to be around. I believe a husband and a father ceases to be a husband and a father when he fails his duty to his family.
May God get you through this.

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Thank you Mr. Cheese.

Originally posted by wrench_twister
1 corinthians 7:15-16 may be helpful. I think divorce is a terrible thing. Upsets lives, tears the kids up,and just doesn't feel good, even if both parties are in agreement.So I would sit down and talk to your husband,if he's willing,and explain all this to him.
I got divorced 11 years ago,and it was rough,and still is tense sometimes.We still have children together for life, so we seperated on good terms,not that it's easy.

Reconcile if possible.I will pray for you and your family, that God will give guidance,and blesing on you guys,and deliver that man from his addiction

God Bless
WT

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I have tried talking to him.  Alot of people have tried talking to him.  He sees what this is doing to our daughter but the drinking is more important to him.

I know that divorce can be devastating to children but so can growing up with an alcoholic (I speak from experience). 

Thank you for your prayers, they are appreciated.