You don’t have to seek forgiveness here, Micky. We are all CGs. We all did similar and worse things.
As for the debt, if it’s with a Credit Card or Financial company, you can contact them and make arrangements to enter a “Defaulter Plan. I have one such plan because the interest was looming and I explained that I could not keep up with the payments. They kindly did an Expenditure List and agreed that I would pay a small amount and they dropped the interest. There are T & Cs Micky but it brings relief. Check it out. If your loan is to “real people” you will just have to fess up and ask them to come to a repayment arrangement with you.
The thing about not gambling, is the debt gets smaller, not bigger!
