- NCR Registered — NCRDC2423
- DCASA Full Member
- NDCA Member
- Secure & Confidential
Rowan Gary Breeds
Lead Debt Counsellor
Debt Solutions 4U
BCom Finance, University of South Africa (UNISA)
NCR registration
NCRDC2423
- Registered
- October 2014
- Years registered
- 11
- Registered under
- Debt Solutions 4U
Rowan Gary Breeds is an NCR-registered debt counsellor (NCRDC2423) at Debt Solutions 4U, registered with the National Credit Regulator since October 2014 — 11 years. The registration can be verified on the National Credit Regulator's public register.
About Rowan Breeds
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 NCR registration NCRDC2423. He has built DS4U into a practice that has helped over 20,000 clients since 2015. His approach centres on structured, compliance-first debt review — ensuring every client understands the process, the documentation requirements, and what realistic outcomes to expect. Rowan oversees all debt review applications and maintains direct relationships with major credit providers to negotiate the best possible terms for clients.
Reviews the knowledge base and article library — the “Reviewed by” byline on DS4U's long-form content.
Areas of work
- Over-indebtedness assessments under Regulation 24(7)
- Restructuring proposals and credit provider negotiation
- Court applications and Form 16 / Form 17 process
- Compliance-first debt review practice
Rowan Breeds in the media
Earned coverage where Rowan Breeds is the named spokesperson. Being quoted is not being endorsed — none of these outlets vouches for DS4U.
Sunday Tribune
Thinking about debt review? Here's what happens to your credit score
31 August 2026
DCASA
Earning More, Owing More: Why Debt Review Is Not a Low-Income Product
14 September 2026
Rateweb
South Africans seeking debt help now hand over 58.4% of their pay — new Debt Pressure Index
1 September 2026 (updated 13 September 2026)
IOL
Thinking about debt review? Here's what happens to your credit score
31 August 2026
Business Report
Thinking about debt review? Here's what happens to your credit score
31 August 2026
FAnews
The adviser impact of rising debt
8 September 2026
45+ years of combined NCR-registered debt counselling experience
Three NCR-registered counsellors across DS4U and our partner practice, Debt Free with Armani — all verifiable.
Speak to a registered counsellor
The first assessment is free and commits you to nothing. If debt review is not the right answer for you, we will tell you that.
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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.