Do I have all the pronouns in() in these sentences? Are the sentences correct?

1. My friend Gloria has decided that (she)needs to go to debt counseling.

2. When Gloria and I discussed the matter (we) thought that it would be best to talk to (her) husband first.

3. Gloria's husband told (her) to cut up the credit cards.

4. I told (him) that it would also be smart to call (his) creditors.

5. I tried to give (them) the best advice I could offer on the matter.

6. I suggested that (they) quit making purchases (they) couldn't afford.

7. The credit cards interest is outrageous and (it) doubles everytime the payment is late.

2 answers

Looks great!

I'm not certain about to whom # 4 refers. Should he call his or her creditors?
I have his on there. I am not sure what you mean?