With all the presents opened, it is now time to pay off those holiday gifts. Credit card debt can be a huge problem for famalies this time of year. Tom Coates, general manager of Consumer Credit Counseling, says the best way to get out of debt is to understand the problem and be willing to solve it. Coates says someone can repay large debt by controlling their budget and being patient with the situation.Coates says getting credit card counseling is very easy and hassle free.Consumer Credit Counseling has six locations across the state and can be reached at (515) 287-6428