I have overdrawn money with Neteller, Firepay, and IGM Pay

[LeftyRuggiero]

I am closing the account today on my way to work. When should I contact the three companies? Should I admit closing my bank account? How should I approach them? I am fully willing to pay them back and I am fully willing to admit a gambling problem but, more serious a discipline problem with money. Should I mention the gambling problem in my emails to them or should I call instead? Thanks for all the help.