Carolst.
He is the only one that can make the decision, but I think right now you need to think about YOU and the DC´s
You sat with them in a dark alley way whilst trying to talk your sucidal husban down / home. Sorry to be blunt but this is not a good place for them to be or you to be.
Firstly the GP or Doc´s is the only real starting place, as some of the symptoms for depression can be something else as can weight loss. This needs to be checked. I am half inclined to say book and appointment and take him there. But if he wants to get better, he has to take ownership of his condition, the trouble with depression is the first time suffers NEVER know they are depressed (I didn´t but these days I can spot MY signs before anyone would even know I was a bit down)
Next couciling would he consider ralate??? Start with couples counciling if necessary to ease him into it. Hopefully a good councilor will spot the depression etc, and may push him towards help
Ok bills, I think you need to take controll of these. Get a list of them together along with the mortgage and talk to the companies see if you can freeze any interest, fines etc?. Can you take a mortage break if you explain the circumstances to get back on your feet. These companies will help if you can give them the chance.
Next the house, what is SOOOOO bad?, would a good clean up and declutter help? Maybe a trip to the local car boot / or ebay what you can. Could you raise some money / ask for presents for some paint? to redecorate?
Can DP leave the family business and get better employment somewhere else?
CAB for any help / benfits / anything you can get to help you through this phase of your life.
Lastly, work out hand on heart what do YOU want???
Not what is right for DP, not what is best for DP, not what the MIL is going to do, what do is right for YOU?