As the holiday season comes to a close, many in the Houston area find themselves in credit card debt. According to a study from WalletHub, the city ranks in the 79th percentile in unsustainable credit card debt, averaging more than $6,000 of credit card debt per person. Texas Attorney General Ken Paxton offered a variety of tips for managing credit card debt. Here are five tips from the Attorney General on debt management. Credit counseling Both non-profit and for-profit organizations offer credit counseling, creating repayments plans which allow consumers to pay back debt through the credit counselor. Plans often require regular payments be made for at least 28 months. Although several non-profit options are available, the attorney general suggests the National Foundation for Credit Counseling  for assistance. The attorney general also recommends Consumer Credit Counseling Services, which are all non-profit agencies that provide education and counseling to individuals. To find an office in the Houston area, CCCS can be contacted at 800-388-2227. Avoid scams Credit relief scams are often sold as the easiest way to get out from under credit card debt. However, the attorney general asserts that there is no easy answer, offering a variety of telltale signs that indicate fraud. Tips include the scammer contacting the consumer, asking for personal information and offering large sums of money in the future after sending them a smaller sum. Should you get scammed, there are a series of steps the attorney general offers in moving forward. The National Consumers League also offers a website where victims can file a complaint. Get educated One of the best resources for managing credit card debt is the Office of the Consumer Credit Commissioner. This state organization also provides credit education, while also providing complaint resources, brochures and a consumer assistant hotline.