At a glance InDebted is an AI-powered collection agency focused on digital-first debt recovery. The company collects unpaid debts on behalf of fintech and buy now, pay later (BNPL) providers, banks and commercial businesses.
The Canadian entity is InDebted Canada Ltd., based in Toronto, with a global parent company founded in Sydney, Australia in 2016.
If InDebted contacts you, don't confirm any personal details or make a payment until you have written verification of the debt.
What is InDebted?
InDebted is a third party collection agency that uses AI and machine learning to recover unpaid debts.
The company markets itself as digital-first. It uses SMS, email and self-service online portals rather than phone-heavy collection tactics.
The Canadian entity, InDebted Canada Ltd., is based at 18 King Street East, Suite 1400, Toronto, ON M5C 1C4.
The company's bilingual operating name is InDebted Canada Ltd & Agence de recouvrement InDebted. InDebted was founded in 2016 in Sydney, Australia.
As of April 2026, the company operates in seven countries, including Canada, the US, the UK, Australia, New Zealand, Mexico and the UAE.
Source: InDebted – About
Contact InDebted
Contact this debt collection agency to verify details, dispute the debt or resolve your account.
Visit agency websiteWhy is InDebted calling me?
If InDebted is calling, a creditor has sent your unpaid account to them for collection.
InDebted works mainly with fintech companies and BNPL providers. Your debt could be from a Klarna purchase, a Wise transaction, a Neo Financial account, or a similar service.
The call could also be about a forgotten account or a scam using their name. Don't confirm any personal details or agree to pay until you have written proof of the debt.
Who does InDebted collect for?
InDebted collects debts for fintech, BNPL, financial services, gambling companies and commercial creditors in Canada. Confirmed Canadian clients include Klarna, Wise and Neo Financial.
Source: InDebted – Canada solutions
The table below lists companies reported by consumers as using InDebted for debt collection in Canada.
Industry | Consumer-reported creditors |
|---|---|
Buy now, pay later | Klarna, Affirm |
Fintech | Wise, Neo Financial |
Payments / online gambling | Trustly (FanDuel Ontario payments partner) |
Gym memberships | Anytime Fitness |
Note: Unless otherwise stated, the companies listed above are based on consumer reports and online discussions. They don't represent confirmed business relationships with InDebted.
Some creditor names on collection letters won't match the company you originally dealt with. Trustly is one example. For example, if you owe money from FanDuel, the collection letter names Trustly because Trustly processes FanDuel's payments in Ontario.
If the creditor name on a letter or call doesn't match anything in your records, ask InDebted to send written verification before you respond. The original creditor name should appear in the verification letter.
Companies that use InDebted for debt collection
Reported by consumers
Know another company InDebted collects for?
InDebted phone numbers
These numbers are commonly associated with InDebted:
| Phone number | Type |
|---|---|
| Main |
Got a call from a number not shown here?
If you receive a call from a different number claiming to be InDebted, verify the debt in writing and confirm the details before paying.
Is InDebted legitimate?
InDebted Canada Ltd., operating as InDebted, is a legitimate collection agency. The company holds active collection agency licences in Ontario, Alberta and Quebec.
As of April 2026, InDebted has a D+ rating with the Better Business Bureau (BBB) because they haven't responded to one complaint. The BBB also factors in the company's short operating history as a Canadian entity.
Source: BBB – InDebted
InDebted is a member of the Canadian Society of Collection Agencies and the Receivables Management Association of Canada.
If someone claims to be from InDebted, contact them via their website and verify the debt in writing before paying anything.
Is InDebted a licensed collection agency in Ontario?
Indebted Canada Ltd., operating as InDebted, is registered in Ontario as a collection agency under the Collection and Debt Settlement Services Act. The table below shows confirmed licence records as of April 2026.
| Legal Name | Location | Licence number | Status | Expiry |
|---|---|---|---|---|
| Indebted Canada Ltd. | Toronto, ON | 4741145 | Issued | Nov 20, 2026 |
| Indebted Canada Ltd. | Manilla, Makati | 4741151 | Issued | Dec 10, 2026 |
Source: Government of Ontario – Search for a business licence (April 2026)
Is InDebted a licensed collection agency in Alberta?
Indebted Canada Ltd., operating as InDebted, is registered in Alberta as a collection agency under the Collection and Debt Repayment Practices Regulation. The table below shows the confirmed licence record as of April 2026.
| Business Name | Trading As | Location | Bonded | Expiry |
|---|---|---|---|---|
| Indebted Canada Ltd. | — | Calgary, AB | Yes | Sep 30, 2026 |
Source: Service Alberta – Find out if a Business is Licenced (April 2026)
Is InDebted a licensed collection agency in Quebec?
InDebted Canada Ltd., operating as InDebted, is registered in Québec as a collection agency and operates under the Consumer Protection Act, with oversight from the Office de la protection du consommateur (OPC). The table below shows the confirmed licence record as of April 2026.
| Legal Name | Location | Permit number |
|---|---|---|
| InDebted Canada Ltd. | Montréal, QC | 400510 |
Source: Office de la protection du consommateur (April 2026)
What to do if InDebted calls you (step by step)
Step 1: Ask for written verification. Get the original creditor's name, the amount claimed, the date of last activity, and the account number. Don't confirm anything until you've reviewed everything in writing.
Step 2: Don't share personal details. No address, date of birth or banking information until you've confirmed the debt is yours.
Step 3: Check your own records. Pull your credit report from Equifax or TransUnion and compare it to what InDebted sent you.
Step 4: Dispute the debt in writing if it's wrong. Keep copies of everything you send.
Step 5: Negotiate if the debt is correct. You can offer a lump sum for less than the full amount or arrange a payment plan. Get any agreement in writing before you pay.
Step 6: Pay by a traceable method like online banking, e-Transfer, or card. Get a receipt.
Step 7: Talk to a Licensed Insolvency Trustee or non-profit credit counselling service if you owe the debt and can't pay.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Many people contacted by InDebted are struggling with multiple debts. A Licensed Insolvency Trustee can reduce what you owe and combine it into a single affordable monthly payment.
Not in Ontario, Alberta, BC, Nunavut or the NWT? Find a trustee in your province
Best if you can still afford your debt but need help managing payments
Best if you can still afford your debt but need help managing payments
Find a counsellorOnly consider a loan or a line of credit if you can comfortably afford the repayments. If you're unsure what to do, speak to a non-profit credit counsellor or a Licensed Insolvency Trustee first.
What if the debt is old?
Every province has a time limit on how long a collection agency like InDebted can sue you for an unpaid debt.
| Province / Territory | Limitation period |
|---|---|
| Ontario, BC, Alberta, Saskatchewan, Manitoba, New Brunswick, Nova Scotia | 2 years |
| Quebec | 3 years |
| Newfoundland and Labrador, PEI, Northwest Territories, Nunavut, Yukon | 6 years |
Once the limitation period expires, InDebted can still sue you, but you can raise the expired limitation period as a defence. If you do, the court will dismiss the case.
Making a payment or acknowledging the debt in writing restarts the limitation period, but only if it hasn't already expired. If you're unsure whether a debt is still within the limitation period, get legal advice before making any payment.
These limitation periods apply to most consumer debts like credit cards, lines of credit, and personal loans. Different rules may apply to government debts, court judgments, or secured debts like mortgages.
For more information, read our guide about debt statute of limitations.
How to stop InDebted from calling
If you want phone calls to stop, send InDebted a written request. It won't erase the debt or prevent legal action, but it stops repeated calls, depending on your province.
Copy and paste this template:
Hello,
I request that you stop contacting me by phone regarding this account and communicate with me only in writing.
Please send written verification of the debt, including:
- The original creditor name
- The amount claimed
- A breakdown of principal, interest and fees
- The account reference number
- The date of last activity on the account
Do not contact me at my workplace.
Thank you,
[Your full name]
[Your mailing address or email]
[Your phone number (optional)]
[Date]
Note: Check your province's rules for any requirements to stop contact.
Source: Government of Canada (FCAC) - Dealing with a debt collector
How to file a complaint about InDebted
If InDebted doesn't follow the debt collection rules, contact the consumer protection authority in your province.
Before filing, document the dates and times of contact, the phone number used, what was said, and copies of any emails, letters or texts.
For contact details and links to your provincial office, visit the Federal, Provincial and Territorial Consumer Affairs Offices directory.
You can also file a complaint through the Better Business Bureau (BBB).
Accreditations
InDebted locations
Locations that InDebted operate in:
Provinces served
- Alberta
- British Columbia
- Manitoba
- New Brunswick
- Newfoundland and Labrador
- Northwest Territories
- Nova Scotia
- Nunavut
- Ontario
- Prince Edward Island
- Quebec
- Saskatchewan
- Yukon
Legal Name
InDebted Holdings Pty Ltd.
Common variations
People sometimes search for this agency under slightly different names or misspellings. These are the most common variations we see.
InDebted Collection Agency
FAQs
InDebted can't take money from your pay directly. The company has to sue you first, win a court judgment and then request a garnishment order.
Your employer only deducts wages after a court orders it. The percentage varies by province.
Yes. A collection account from InDebted lowers your credit score if it's reported to Equifax Canada or TransUnion Canada.
Collections stay on your report for six to seven years from the date of last activity. Paying the debt changes the status to paid, but doesn't remove it early.
Yes. InDebted is known for being open to negotiation and uses self-service online tools that let you set up payment plans without speaking to an agent.
You can also offer a lump sum settlement for less than the full amount. Just be sure to get any agreement in writing before you pay.
The debt doesn't disappear. InDebted can keep contacting you through SMS, email and phone. They can also recommend to the creditor that they should take legal action.
If a court issues a judgment, the creditor can garnish your wages or freeze your bank account.
Klarna, Wise, Neo Financial and other fintech companies don't run their own collection operations.
When a customer falls behind on payments, these companies hand the account to a specialist like InDebted. InDebted's digital approach is a better fit for fintech customers than traditional phone-based agencies.
Both. InDebted uses AI and machine learning to handle most of the communication.
Their self-service portal lets you manage your account, set up payment plans, and pay without speaking to anyone. Real customer service staff are available if you want to speak to a person.
You have two options.
If you just want the phone calls to stop, send InDebted a written notice by registered mail or email asking them to communicate in writing only. They have to stop calling. They can still contact you by letter or email.
If you want all contact to stop, send a written notice by registered mail or email stating you dispute the debt and want the matter taken to court.
Under Ontario's CDSSA, InDebted can't contact you after that without your consent. The trade-off is that the creditor can then sue you. If they do and you don't file a defence, the court enters a default judgment against you. Keep a copy of whatever you send.
Stopping the calls doesn't erase the debt. If you owe the money and can't pay, speak to a Licensed Insolvency Trustee or a non-profit credit counsellor.
Yes. If you don't respond to collection attempts, the creditor can instruct InDebted to start legal proceedings. A court judgment can lead to wage garnishment or a bank account freeze.
The statute of limitations varies by province. In Ontario, Alberta and BC, it's two years from the date of the last payment.
Other collection agencies in Canada
Joe launched CollectionAgencies.ca in 2025. He maintains the directory, researches collection agencies across Canada, and manages the site's editorial content. Agency listings are sourced from provincial licensing records and legislation.