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NCR-Registered · 45+ Years Combined Experience

Take control of your debt.
A brighter tomorrow is possible.

Get an instant debt review assessment and access powerful tools, insights and expert support — all in one place.

South Africa's fastest debt review assessmentGet your free debt review assessmentInstant results — before you need to speak to anyone.

Free Credit ReportSee your report, get a summary so you understand what it is saying.Get My Report →
Loan CheckFind out if you will qualify for a loan, or understand why you are getting rejected.Check Now →
Am I under debt review?Instant free check to see if you have a debt review status already.Check My Status →
Debt review removalStart the journey to remove your debt review listing with our partner VDL Attorneys.Start Removal →
Request a call backPrefer to speak to someone? Request a call back from our team.Request a Call →

What happens if you start

Three steps, all of them in one conversation. You can stop after any of them.

1
Free assessment on DS Chat
About two minutes
Start a chat and answer a short set of questions about your income, expenses and what you owe. Nothing is filed and nothing is signed at this point.
2
A registered counsellor builds your plan
Sent back in the same chat
An NCR-registered debt counsellor works out what your restructured payment would be and what it does to your interest rates, then sends it to you.
3
Form 16, signed in the chat
No printing, no email, no office visit
Form 16 is the application that starts debt review formally. From the moment it is filed your creditors are legally restricted, which is what protects the car and the house.

Nothing is filed until you sign Form 16, and the assessment costs nothing either way.

What it does to the numbers

One restructured client, line by line. This is a sample case, not an average and not a promise — what you would pay depends on your debts, your income and who you owe.

Monthly repayments for a sample DS4U client before and after debt review
Debt	Before	Under review	Saving
Home loan	R14 174	R11 339	R2 835
Vehicle & unsecured	R9 640	R2 796	R6 844
Other unsecured	R7 277	R5 458	R1 819
Total monthly	R31 091	R19 593	R11 498

Almost all of that comes off the unsecured debt, where the interest rate drops to 8.5%. A home loan and a vehicle keep the rate they already have — debt review does not re-rate secured debt — so what changes there is the instalment, not the interest. Someone whose debt is mostly a bond therefore saves far less than this client did.

Sample restructured client. Your own figures come out of the assessment, which is free and shows them before you commit to anything.

What is debt review?

A regulated process, run under the National Credit Act, that reduces your monthly repayments to an amount you can actually afford — and protects you while you pay it off.

Lower monthly repayments
Legal protection from creditors
One affordable payment each month
Guided by registered debt counsellors

Learn how it works

Registered & accredited — click any mark to verify

The certificates — all three, valid to 31 July 2027

Issued by the National Credit Regulator under Section 44 of the National Credit Act. Verify any of them on the NCR register — the regulator’s own page, not ours.

Awards, nominations & reviews

Recognised three years running

2023Top 5 finalistMedium practice
2024Top 10Large practice
2025Top 10Large practice

4.7★★★★★116 reviews
4.8★★★★★348 reviews

Experience you can verify

45+Years

of Combined Experience

NCR-Registered Debt Counsellors

45+ years of combined NCR-registered debt counselling experience

Across three registered debt counsellors at Debt Solutions 4U and our partner practice, Debt Free with Armani. Not a claim you have to take on trust — every registration below is on the National Credit Regulator’s public register, with the date it started.

Practising as DS4U for 11 years, since 2015
Over 20,000 South Africans helped
Debt Review Awards finalist 2023, 2024, 2025

Where the 45 years come from

11yrs
Rowan Gary Breeds
NCRDC2423 · NCR-registered since October 2014
Debt Solutions 4U
16yrs
Wesley Raymond Sparkman
NCRDC1887 · NCR-registered since September 2010
Debt Solutions 4U
17yrs
Tania Dekker
NCRDC1015 · NCR-registered since June 2009
Debt Free with Armani

Debt Solutions 4U has three NCR-registered debt counsellors with more than 45 years of combined registered debt-counselling experience. Tania Dekker (NCRDC1015) has been registered since June 2009, Wesley Raymond Sparkman (NCRDC1887) has been registered since September 2010, and Rowan Gary Breeds (NCRDC2423) since October 2014. All three registrations can be verified on the National Credit Regulator's public register.

Check any of these on the National Credit Regulator’s register before dealing with us, or with anybody else in this industry. Meet the team.

Where would you like to start?

Free Credit Report

See your report, get a summary so you understand what it is saying.

Open

Loan Check

Find out if you will qualify for a loan, or understand why you are getting rejected.

Open

Am I under debt review?

Instant free check to see if you have a debt review status already.

Open

Debt review removal

Start the journey to remove your debt review listing with our partner VDL Attorneys.

Open

Request a call back

Prefer to speak to someone? Request a call back from our team.

Open

Came here looking for a loan?

DS4U Loan Check reads your credit report and your monthly budget, then tells you honestly where you stand — whether that is credit-ready, debt review, or something in between. It is a check, not an offer, and it is free.

See if you qualify

Trusted. Regulated. Here to help.

NCR RegisteredNCRDC2423
Your informationis secure
Thousands ofSouth Africans helped

Debt Solutions 4 U at a glance

Every line below can be checked somewhere that is not this website.

Registered name: Debt Solutions 4 U, trading as DS4U. That spelling — with the spaces — is the one on the NCR register, at DCASA, on Google and on Hellopeter.
NCR registration: NCRDC2423, held by lead debt counsellor Rowan Breeds. Verify it on the NCR debt counsellor register, or meet the counsellors.
Founded: 2015. Head office at Office 16C, Waterford Court Office Park, 234 Glover Avenue, Die Hoewes, Centurion, Gauteng. Clients nationwide are served through DS Chat.
Professional body: Full member of the Debt Counsellors Association of South Africa, membership 0869, listed on the DCASA member register.
Industry recognition: Debt Review Awards Top 10 three years running — Top 5 Medium practice in 2023, Top 10 Large practice in 2024 and 2025. Sources are linked in the awards record.
Partner practice: Debt Free with Armani, NCRDC1015, led by Tania Dekker. A partner practice since June 2026.
Independent reviews: Current client reviews are on our Google Business Profile and on Hellopeter. Both are moderated by the platform, not by us.
Press: Featured in Debtfree Magazine, with a press office on Bizcommunity. The citations are collected on the press page.

Our own research

Many South Africans looking for a loan are already under financial pressure.

From the South African Financial Pressure Index (SAFPI), August 2026 reading. See the methodology.

58.4%

median share of net income debt review applicants already commit to debt

56%

of those applicants are above a 50% debt-to-income ratio

65.4%

of what they owe is personal loans

1 174

applications analysed, June to August 2026

What clients said, in their own words

Six reviews published on our Google Business Profile. They are moderated by Google, not by us, and the full set — including anything less flattering — is there and on Hellopeter.

“The biggest thing for me was the stress. I couldn't sleep worrying about payments. Now I feel more in control and less overwhelmed.”
Banelisi WelcomeMarch 2026 · Google review
“At first I wasn't sure if this was legit, but I'm glad I tried. Everything was explained clearly and there was no pressure. The process was actually much easier than I expected.”
Caroline DhlaminiMarch 2026 · Google review
“They made me feel that I was not a bad person for being in debt and that was what made all the difference.”
Mandy Lee OrpenMarch 2024 · Google review
“My monthly payments were too much and I was falling behind. They helped me understand my options and now I can actually manage my finances again.”
Thabisile MasimulaMarch 2026 · Google review
“Even though it started on WhatsApp, it still felt like real help. The team was patient and guided me properly. I never felt judged.”
Jay SpacemanRSAMarch 2026 · Google review
“They helped me become debt-free with a stress free and smooth process.”
Junior KoketsoAugust 2024 · Google review