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.

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?

Yes, all the pronouns in parentheses have been used correctly in the sentences. Here is the breakdown:

1. The pronoun "(she)" is used correctly to refer to Gloria.

2. The pronoun "(we)" is used correctly to refer to the speaker (the person talking) and Gloria. The pronoun "(her)" is also used correctly to refer to Gloria.

3. The pronoun "(her)" is used correctly to refer to Gloria.

4. The pronouns "(him)" and "(his)" are used correctly to refer to Gloria's husband.

5. The pronoun "(them)" is used correctly to refer to the people the speaker is giving advice to.

6. The pronouns "(they)" and "(they)" are used correctly to refer to the people the speaker is suggesting to quit making purchases they cannot afford.

7. The pronoun "(it)" is used correctly to refer to the interest on the credit cards.

All the sentences are correct with the appropriate use of pronouns.