The desperate prayers poured out of him as he stood in the freezing cold. Ed Jakubik was a broken man, begging for help from the back deck of his Monmouth County home. “I just asked God, ‘Let me know if you’re there. I don’t have the courage, the conviction to face my family, my friends. And I just need help,’” the Bayonne native said. He had lost nearly everything in the two and a half years since the housing market crashed and his sports gambling addiction spiraled out of control. His house. His car. The $6 million in property he amassed in speculative real estate deals. And finally, his dig…