InDebted

What is InDebted?

InDebted is a debt collection agency that helps businesses recover unpaid debts. They use AI-powered technology to personalise outreach across digital and voice channels, making it easier for customers to manage and pay their debts. They operate in Canada and have offices in Toronto, serving clients across the country.

They work with a variety of businesses, including fintech companies, buy now pay later (BNPL) providers like Klarna, Wise, and Neo Financial, as well as financial services and debt purchasers. Many consumers report that InDebted is reasonable and willing to negotiate, focusing on respectful and 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 operating in Canada. They meet all provincial licensing and regulatory requirements and follow bilingual communication standards. However, scammers sometimes impersonate collection agencies, so always verify any debt in writing before paying.

Your rights when a debt collection agency like InDebted contacts you

Debt collectors and collection agencies must follow a code of conduct outlining 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 before answering questions, providing personal information, or paying 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 that you owe the debt or supply sensitive information until you've verified it.
3. If you want the phone calls to stop, you can request in writing that the collection agency stop calling, but this won't prevent further legal action.
4. If you don't think you owe money, dispute the debt and ask for written proof.
5. Consider speaking with a Licensed Insolvency Trustee for free advice.