- NCR Registered — NCRDC2423
- DCASA Full Member
- NDCA Member
- Secure & Confidential
Our team
Three registered debt counsellors, and their numbers.
Every registration below is on the National Credit Regulator's public register, with the date it started. Check us before you deal with us — and before you deal with anybody else in this industry.
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
- 12yrs
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.
The counsellors
Rowan Gary Breeds
Lead Debt Counsellor
NCRDC2423 · registered October 2014
Rowan is the Lead Debt Counsellor and founder of Debt Solutions 4 U. He holds a BCom Finance degree from the University of South Africa (UNISA) and NC…
Full profile →
Wesley Raymond Sparkman
Debt Counsellor
NCRDC1887 · registered September 2010
Wesley is an NCR-registered Debt Counsellor (NCRDC1887) who supports clients through every stage of the debt review process. He holds a BSc (Hons) deg…
Full profile →
Tania Dekker
CEO & Founder, Debt Free with Armani
NCRDC1015 · registered June 2009
Tania is the CEO and founder of Debt Free with Armani (NCRDC1015), our partner debt counselling practice. A registered debt counsellor since 2009, she…
Full profile →The wider team also includes debt review consultants who work with clients through the process.
Talk to one of them
The first assessment is free and commits you to nothing. If debt review is not right for you, you will be told that.
Trusted. Regulated. Here to help.
NCR RegisteredNCRDC2423
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Thousands ofSouth Africans helped
As featured in leading South African publications
Coverage and independent mentions. Being featured is not an endorsement.