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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 →
Apply For LoanFind 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 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

Apply For Loan

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