InDebted

What is InDebted?

InDebted is a debt collection agency that works with businesses to recover unpaid debts. They use AI technology to help make it simpler for people to manage and pay what they owe.

They operate in Canada, with offices in Toronto, and work with clients from coast to coast.

InDebted works with all kinds of businesses, from fintech companies and buy now, pay later providers like Klarna, Wise, and Neo Financial, to financial services and debt buyers.

Many people say InDebted is reasonable and open to negotiation, emphasizing respectful, compliant communication rather than aggressive tactics.

Why is InDebted calling me?

If you've received a call, voicemail, or letter from InDebted, it usually means they're trying to recover an unpaid debt on behalf of a creditor.

If you're unsure why they're calling, ask for written verification of the debt before sharing any personal information or making a payment.

InDebted collects for:

• Klarna (BNPL provider)
• Wise (fintech)
• Neo Financial (fintech)
• Gambling firms, including FanDuel
• Telecommunications companies (phone, internet, cable)
• Banks and financial institutions
• Government agencies
• Healthcare providers and hospitals
• Utilities (hydro, gas, water)
• Education and student loans
• Commercial businesses
• Credit card companies
• Retail stores

Is InDebted a legitimate collection agency?

Yes, InDebted is a legitimate debt collection agency in Canada. They follow all licensing and regulatory requirements and communicate in both English and French.

Scammers sometimes pretend to be collection agencies, so make sure to get written proof of any debt before you pay.

Your rights when a debt collection agency like InDebted contacts you

Debt collectors have to follow a set of rules about what they can and cannot do:

• Every time a debt collector contacts you, they must identify themselves.
• Debt collectors can only contact you during specified hours, usually between 7 AM and 9 PM (but exact times depend on your province)
• They cannot make false or misleading representations to collect a debt.
• Debt collectors may not harass, threaten or intimidate you.
• Debt collectors may not use threatening, profane, intimidating or coercive language.
• Debt collectors may not apply undue, excessive or unreasonable pressure.
• Ask for written proof of the debt before you answer questions, give out personal information, or pay anything.
• A debt collector can't contact you at work once you've told them not to.

What to do if a debt collection agency like InDebted contacts you

1. Ask for written verification of the debt.
2. Don't acknowledge the debt or supply sensitive information until you've verified it.
3. If you want the phone calls to stop, you can write to the collection agency and ask them to stop calling you, but this does not stop them from taking legal action.
4. If you do not believe you owe the money, dispute the debt and ask for written proof.
5. Consider speaking with a Licensed Insolvency Trustee for free advice.