I just wanted to add my support annie.
I am that the sw felt the need to write about lack of t-shirt and socks - and the problem is? My DD often runs around at home with JUST a t shirt - no socks, feet like ice cubes. Sometimes she does NAKED!!
Apart from threatening to take your children away , have they offered you any concrete help?? Do you have a homestart in your area - they are there to help people just like you, well parents in general actually - if you have LOs under five then they will be able to help - ask your sw about this.
Is your DH getting any help for his mental state just now? Men are so stubborn and often wont admit to needing help. He absolutely should be helping out in the house. It would be very easy to get on my high horse about the housework not being your job but if thats the roles you have both adhered to in the past it will be a difficult thing to break for him. I guess you just have to appeal to him to help you, little girl lost sort of thing. I know this sounds outrageous but actually, he NEEDS a role. I am sorry about the work situation, that must be very worrying for you and he must feel like a failure. He isn't, and helping out with the housework wont make him less of a "man" it just means he is helping you out - him being at home will generate more mess. etc. Perhaps he would benefit from some counselling himself?
The debt thing is shit - shit shit shit, i know Have you got help with this? Who are your creditors? If there is one thing i have learnt is TALK to them, make them aware of your situation, offer token payments to keep them quiet in the mean time, by token payment i mean as little as £5 a month, if that - if they are debt companies they HAVE to accept this. Speak to the CAB.
I know how much the housework can just drag you down - i suffer with depression and that is the first thing to go. My house is a generalised shit hole anyway - im pretty sure if SS came and did an inspection they would be horrified. But tough shit, so my house is a pit, my DD is happy - sometimes i call her my urchin child, because she has an aversion to washing and tend to be a mum who will just make sure she is adequately dressed, so often there is a mismatch of scruffy clothes and a dirty face - last time i checked, none of these things equaled child abuse!!
I wish you and your family all the luck in the world. Do try not to take your DHs lack of motivation too personally, he needs a boot up his backside yes, but its sooo difficult when the financial big bad wolf is at the door.