Debt Solutions 4 U (DS4U) is an NCR-registered debt counselling practice based in Centurion, Gauteng, helping over-indebted South Africans regain control of their finances through debt review. Since 2015, the practice has helped more than 5,800 South Africans reduce unaffordable debt repayments, protect their homes and vehicles, and work towards becoming debt free. DS4U is registered with the National Credit Regulator under NCRDC2423.

DS4U specialises in debt review, the legal debt relief process established under the National Credit Act. A registered debt counsellor assesses what a consumer can realistically afford after essential living expenses, negotiates reduced interest rates and repayment terms with credit providers, and restructures debt into a single affordable monthly repayment. Throughout the process, consumers receive legal protection against creditor action while remaining compliant with their repayment plan.

The practice has developed a digital-first approach that allows consumers to complete the entire debt review process remotely using WhatsApp, from their free assessment through to signing documentation, without needing to visit an office.

DS4U is led by Rowan Breeds (NCRDC2423) and supported by registered debt counsellor Wesley Sparkman (NCRDC1887) and an experienced team of debt review professionals.

In 2026, DS4U entered into a strategic partnership with Debt Free with Armani (NCRDC1015), led by founder and CEO Tania Dekker. Tania has been a registered debt counsellor since 2009 and brings more than 15 years of corporate and financial management experience. She has twice been recognised as one of South Africa's Top 5 Debt Counsellors. The partnership combines the expertise, systems and resources of two respected NCR-registered debt counselling practices while maintaining the highest standards of integrity, professionalism and client care.

Beyond debt counselling, DS4U is committed to consumer education and original financial research. The company publishes the South African Financial Pressure Index (SAFPI), a monthly research initiative based on anonymised debt review application data that provides insight into consumer financial pressure, affordability trends and household debt across South Africa. The practice also offers free credit report checks, debt review status checks and one of South Africa's largest online knowledge bases dedicated to debt review, consumer rights and the National Credit Act.

Services

• Debt Review & Debt Counselling
  
• Debt Review Removal
  
• Clearance Certificates
  
• Free Debt Assessments
  
• Free Credit Report Checks
  
• Free Debt Review Status Checks
  
• Consumer Financial Education
  
• South African Financial Pressure Index (SAFPI)

Credentials

• National Credit Regulator Registration: NCRDC2423
  
• Established: 2015
  
• Over 5,800 South Africans assisted
  
• 4.9-star Google rating from 477+ verified reviews
  
• Debt Review Awards Top 10 Finalist (2023, 2024 & 2025)
  
• Proud partner of Debt Free with Armani (NCRDC1015)