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Hello, to be honest this is a matter for a solicitor or tax advisor. Public forums may provide insights, but legal matters should be taken seriously and handled by paid specialists.

I’m really sorry you’re dealing with all of this at once, that’s a rough situation to be in.

I can’t really advise you on what to say or do from a legal/tax perspective, especially in Germany, because that can get serious very quickly. But ignoring it or guessing your way through it is probably the worst option.

Even if you can’t afford a private lawyer, there are free or low-cost options. In Germany you can look into "Beratungshilfe" (legal aid) or local consumer advice centers (Verbraucherzentrale), they often help with tax and debt situations for a small fee or even free depending on your case. There are also debt counseling services (Schuldnerberatung) that deal with exactly this kind of situation.

On the gambling side: if you’re not already self-excluded via OASIS, it might be a good step to take right now, just to stop things from getting worse while you sort this out.

I know it probably feels overwhelming, but this is the kind of situation where getting any proper advice (even free) is a lot safer than trying to handle it alone.

I’m really sorry it’s hitting you this hard right now. I can hear how overwhelmed you are.

I can’t help with a "text" that would make this go away, and anyone claiming they can would be misleading you. This is something that needs to be handled properly, not avoided.

Right now the priority isn’t the forum or the casino—it’s you. If you’re thinking about going out to buy alcohol because of this, try to pause that step. It will only make everything harder to deal with tomorrow.

You don’t have to handle this alone. In Germany there are free support options you can reach out to right now, like TelefonSeelsorge (0800 111 0 111 / 0800 111 0 222) or chat support online — they’re there exactly for moments like this.

For the practical side, free services like Schuldnerberatung or legal aid (Beratungshilfe) are still your safest next step, even if it doesn’t feel like it, there are structured ways to deal with this without things immediately turning into the worst-case scenario.

I know it doesn’t feel like it right now, but you can still work through this situation step by step. The most important thing is to get through today without worsening it.

Gambling won't disappear just because it's a risky activity; it will always be there, so you must work on yourself.