hi helpless_now,
how are you feeling now?
there are 2 issues that you must settle now. hubby's debt and the outside woman.
think you should settle the woman problem first cos it has a deeper damage to your marriage than those debts.
think you need to ask yourself whether you want to keep this marriage. if you truly love your hubby and he is also repentant, then do consider giving him another chance.
wipe your tears and find a chance to ask your hubby to come clean about the woman. no need to ponder about the details. just ask how long is this affair, who is the woman and why did he commit adultery?
ask him whether he still wants his family. if he shows genuine remorse, use the opportunity to state down your requests. first, he has to break away from the woman and do not maintain contact ever again. next, change his hp number.
you can release your emotions and tell him how hurt you were. cry together. let him understand the pain he has inflicted on you.
for the next few months, do monitor his actions and then you can decide whether he is worth another chance.
try not to sentence his crime immediately. give him a chance to show his repentance. during this period, do iron out any displeasures in the marriage.
given the amount of debts he has, it is not unusual for him to find outside pleasures to release stress. i am not supporting his behaviour! try to find out the reason for his infidelity. it will help in building up trust in the marriage again.
as for the debts, if he is really sincere in quitting his gambling habits and start life afresh, maybe you can discuss with your in-laws to help him 1 last time.
in order to start afresh in something, we also need a closure.
helpess_now, i know how you feel cos i was in your shoes 1 year ago. i was in a much deeper shit than you. i survived. my hubby and i are more loving than before. i too have my fair share of anger, depression, mental instabilty, cries.... etc. i am glad that all these are over. whenever i think back of those bad times, i have shivers cos i think i am so scary!
be strong now. only you can make the decision. once made, stick to it.
i wish you well.