It's depend on gambler's religion and family support since that the most important in order to recover their mental before getting worse
Of course , it's need some time to pay their debt but with healthy mind, everything will go smooth later
My advice on this current situation here is to change the way of life of a gambler's problem of a debt that is presently causing such circumstances like this. Mental problems could be getting worst if the family doesn't have any support for the person affected, and the person should be encouraged to take a stand for so that the debts will be paid. Sometimes it gets worsen and it may lead that a person will commit suicide when ha couldn't handle the pressure of the debts because of gambling. Positive minds is the best ways to do it, and that gambling that caused debts should be stopped while within the process of solving the debts.