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.
Contact InDebted
Contact this debt collection agency to verify details, dispute the debt, or resolve your account.
Visit InDebted websiteWhy 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
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 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.
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 March 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 (March 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 March 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 (March 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 March 2026.
| Legal Name | Location | Permit number |
|---|---|---|
| InDebted Canada Ltd. | Montréal, QC | 400510 |
Source: Office de la protection du consommateur (March 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. Collection agencies like InDebted typically accept online banking, Interac e-Transfer, credit or debit card through their website, or in person at a bank branch. Always 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
Only 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
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.