Fergal, In addressing your situation and concerns it is a two-part approach.

The first is the issue of what you owe and to set up a repayment plan for it, and the second is the gambling issue.

If you had an accountant when you were in business for yourself, they maybe able to assist you in figuring out the revenue bill as to what you owe or get a good estimate of this. Then trying to set up a repayment plan based on what you can afford along with a repayment plan for the gambling debts is one thing that needs to be done.

The other critical point is to address the gambling issue.  You may want to visit http://www.gamblersanonymous.ie/ or speak to your doctor for a referral to a therapist that may specialise in helping people with gambling addicitions.

I know taking that first step is difficult, but being strong and proactive, will help you in keeping control over the situation.

Jon