How to Reach a Debt Counsellor at Debt Solutions 4U
Chat (fastest): DS Chat at app.debtsolutions4u.co.za — open 24 hours a day, 7 days a week. The assessment is instant; a registered counsellor's team reviews it and replies in the same chat.
Phone: 012 345 2071 (Monday to Friday, 08:00–17:00). Debt review contact number South Africa: 012 345 2071.
Cost: the initial assessment is free, with no obligation. NCR-regulated fees apply only if you choose to proceed with debt review.
Where we are: Centurion, Gauteng — serving all of South Africa remotely. Debt review is national law, so a counsellor in Centurion helps you identically whether you are in Cape Town, Durban or Polokwane.
Registration: NCRDC2423 (lead counsellor Rowan Breeds) — verify it on the National Credit Regulator's register at ncr.org.za.
Why South Africans Choose DS4U
Debt Advisor, Debt Counsellor or Debt Consultant — Who Do You Actually Need?
South Africans search for a "debt advisor," a "debt consultant," or "debt help," but under South African law only one of these titles carries legal power: the debt counsellor. A debt counsellor is registered with the National Credit Regulator and is the only professional authorised under Section 86 of the National Credit Act to place you under debt review, restructure your repayments, and stop creditors from harassing or suing you while you pay.
A "debt advisor" or "debt consultant" is not a legal designation — anyone can print it on a business card. Some are salespeople for consolidation loans, which replace your debts with one new (often more expensive) debt. A financial advisor is a real, FSCA-regulated profession, but it deals with investments and insurance — not over-indebtedness. If you are struggling to cover your debts each month, the professional you need is an NCR-registered debt counsellor. More detail in our guide to debt counsellors in South Africa.
What Happens When You Say Hi
Say hi
±30 secondsEnter your name and cellphone number and the chat opens instantly — no download needed, though you can add it to your home screen like an app.
Answer a few questions
±60 secondsSuzi, our assistant, asks about your income, debts and what is stressing you most — repayments, calls from creditors, or a listing you want removed.
Complete your free assessment
±2 minutesYou get a secure link to check your exact position — with your consent — including what your reduced monthly payment could look like.
A registered counsellor reviews it
same dayA registered debt counsellor's team — not a bot — reviews your assessment and comes back to you in the same chat with your options and next step. Nothing proceeds without your say-so.
That last step is the part that matters: the chat gets you moving instantly, but a registered counsellor, not a bot, is responsible for your assessment and your plan. You get the speed of an app with the accountability of a regulated professional — which is more than a bank's call centre queue gives you.
Questions People Ask Before Talking to Us
Is talking to a debt counsellor free?+
Yes. Your first assessment with a debt counsellor at DS4U is completely free and carries no obligation. You chat, we look at your income, debts and essential expenses, and we tell you honestly whether debt review fits your situation. Fees only ever apply if you decide to go under debt review, and those fees are regulated and capped by the National Credit Regulator — they are built into your single monthly repayment, never paid upfront in cash.
Who can I talk to about my debt in South Africa?+
The right professional to talk to about problem debt in South Africa is an NCR-registered debt counsellor. They are the only professionals legally authorised under the National Credit Act to assess over-indebtedness, restructure your repayments, and protect you from creditors. You can talk to a registered counsellor's team at Debt Solutions 4U right now via chat at app.debtsolutions4u.co.za, or phone 012 345 2071. Avoid unregistered 'debt help' services — verify any counsellor at ncr.org.za first.
How much does a debt counsellor cost?+
Debt counsellor fees in South Africa are regulated by the NCR, not set by the counsellor. There is a once-off application fee, a restructuring fee, and a small monthly aftercare fee — all capped by NCR fee guidelines and included inside your single reduced monthly debt review payment. You never pay a counsellor cash or into a personal bank account; all payments flow through a registered Payment Distribution Agency. The initial assessment and advice are free.
Do I need an appointment to speak to a debt counsellor?+
No. At DS4U there is no appointment, no office visit and no call centre queue. You start a chat on your phone whenever suits you — evenings and weekends included — and complete a free assessment in a few minutes. A registered debt counsellor's team reviews your assessment and responds in the same chat. If you prefer a scheduled phone call, you can book one, but it is optional.
Can I chat to a debt counsellor instead of calling?+
Yes. DS4U runs the entire debt review process over chat — the free assessment, your repayment proposal, and even signing your Form 16 all happen on your phone at app.debtsolutions4u.co.za. The chat is available 24/7, so you can start at midnight if that is when you have privacy. If you would rather talk, phone 012 345 2071 during business hours.
How do I know the counsellor is registered?+
Every legitimate South African debt counsellor holds an NCRDC number from the National Credit Regulator. Debt Solutions 4U's lead counsellor is registered as NCRDC2423 (Rowan Breeds). Verify it yourself: go to ncr.org.za, use the registrant search, enter the name or NCRDC number, and confirm the status shows active. If any 'debt help' service cannot give you an NCRDC number, do not hand over any information or money.
What number do I call about debt review?+
The debt review contact number for Debt Solutions 4U is 012 345 2071 (South Africa). Phone lines are answered during business hours, Monday to Friday. If you would rather not call, the chat at app.debtsolutions4u.co.za is open 24/7 and a registered counsellor's team reviews every assessment — most people find the chat faster than holding for any call centre.
Do Your Homework First (We Encourage It)
Verify us on the NCR's official register (search NCRDC2423), read how NCR debt review works, compare the top debt review companies in South Africa, or estimate your reduced repayment with the debt review calculator. When you are ready to talk, the chat is at the top of this page — or phone 012 345 2071.
