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Monica, I am digging myself out of my gambing mess, (debts) it’s hard to face but once you do, it’s freeing also. Try to only commit to what you can afford to pay. I don’t know what your options are where you live. Bankruptcy would have been easier that committing to paying off my debts but wasn’t a option for me because I wasn’t willing to sell assets. It will be alright. This is unfortunately one of the remainders of our gambling. Youv e been through so much and have overcome so much. You are a strong woman and will conquer this also!!!! Stay positive!!!