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
Why 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.
InDebted phone numbers
We called each of these numbers to confirm it reaches InDebted. Select a number to see call reports and what to do if they contact you.
| Phone number | Type |
|---|---|
| Main |
Some numbers are submitted by users. We call to verify each one and recheck periodically, but numbers can change.
If you receive a call from a different number claiming to be InDebted, verify the debt in writing and confirm the details before paying.
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.
Consumer reports link InDebted to six creditors, most often in buy now, pay later, banking and fitness.
| Industry | Consumer-reported creditors |
|---|---|
| Banking & Financial Services | |
| Fitness & Recreation | |
| Bnpl | |
| Other |
Know another company InDebted collects for?
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.
Is InDebted legitimate?
InDebted Canada Ltd., operating as InDebted, is a legitimate collection agency. They are members 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.
Will InDebted affect my credit score?
A collection account from InDebted will severely damage your credit score once it's reported to Equifax or TransUnion.
It stays on your credit report for 6 years from the date of your first missed payment, known as the date of first delinquency. Paying it won't remove the mark from your credit file but updates the status to paid, which looks better to future lenders.
Source: Equifax Canada – How long does information stay on my credit report
What to do if InDebted calls you (step by step)
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.
Ontario, BC, Alberta, Saskatchewan, Manitoba, New Brunswick, Nova Scotia
Quebec
Newfoundland and Labrador, PEI, Northwest Territories, Nunavut, Yukon
Once the limitation period expires, InDebted can still sue you, but you can raise the expired limitation period as a complete defence. The defence isn't automatic. You have to file a defence in court and plead the expired limitation period. If you don't, the court will grant default judgment as if the limitation didn't apply.
Making a payment or acknowledging the debt in writing restarts the limitation period, but only if it hasn't already expired.
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 calls from InDebted
Sometimes, you can stop collection calls from a collection agency by sending a cease and desist letter. Once InDebted receive it, they have to stop calling. The debt doesn't go away, and they can still take legal action. You can use our cease and desist letter templates.
Provincial law doesn't give you this right in Manitoba, Saskatchewan, Newfoundland and Labrador, Prince Edward Island or the Yukon.
Regardless of province, if the debt's on a loan, line of credit, or credit card, send the letter by registered mail under federal law. Federal law is the only law in Canada that also stops an original creditor's in-house collectors, not just a collection agency. You can send it to your original creditor and its collection agent, a collection agency or a law firm.
If InDebted is making collection calls to you from its Ontario location, then you can send a cease and desist letter available under Ontario's law.
Restrictions on calls to your workplace
Many provinces and territories place restrictions on collection agencies when they attempt to call you at your workplace.
How to file a complaint about InDebted
In Canada, debt collection is regulated province by province, not federally. The rules ban harassment, calling outside set hours, discussing your debt with your family or employer, and threatening legal action they have no intention of taking.
Source: Government of Canada (FCAC) – Debt collection: know your rights
If you think InDebted is breaking any debt collection or privacy laws, contact the consumer protection authority in your province.
Before making a written complaint, document the dates and times of contact, the phone number used, what was said, and copies of any emails, letters or texts.
Some consumer protection agencies regulating the conduct of collection agencies will not process your complaint unless you first send a written complaint to the collection agency summarizing the conduct in question and making a request for remedial action.
For contact details and links to your provincial office, visit the Federal, Provincial and Territorial Consumer Affairs Offices directory.
Accreditations
Legal Name
InDebted Holdings Pty Ltd.
People sometimes search for this agency under slightly different names or misspellings. These are the most common variations we see.
InDebted Collection Agency