Hi Jon,
The finances will work out one way or another. get things to a manageable position, use that finanacial advice if you need it.
Whilst it’s the finances that bring us all here though it is the gambling that needs to be addressed. Take the opportunity now, while funds are exhausted and you can’t, to put things in place. You will have money again, you will have available credit again, that’s when it’s important to have things already in place.
keep posting.