I don't get why people on this site is giving this guy such a hard time, dude needs some advice and all your jacks are acting like doctor phil, with advices and trying to be smart, give a answer if you got one that can help otherwise what help is it to post ur dumb comments? I only speak for myself as I'm in a similiar situation as this guy guy but the debt is not due to gambling ratherly bad and stupid moves building debt when young, see nothing wrong with trying to be smart now and doing the right thing