Credit Guide

We InDebted Australia Pty Ltd ACN 613 132 951, Australian Credit Licence 522850 (InDebted) are a debt collection agency focused on customer experience and providing people with the tools they need to easily resolve their accounts. We have been appointed by your credit provider to help you manage your loan and repayments under it.

Financial hardship

We understand there may be times when your personal circumstances change unexpectedly (for e.g., you have lost your job, suffered an illness, been affected by a natural disaster or are experiencing a reduction in your income) and are having trouble in meeting your payment obligations under your credit contract, we encourage you to contact us as soon as possible.

How we can help You

We are here to help you resolve your account and support you on your debt-free journey.

Pay in installments

Can't afford it all at once? Set up a payment plan to pay in affordable installments.

Pay in full

The fastest way to finish your account.

Inaccurate Information?

Not your account? The amount looks wrong? Let us know and we will work through that for you.

Complaint and dispute resolution

If you are unhappy with our services, it is important we hear from you so we can make things right.

We have an established complaint handling process committed to properly considering and resolving all complaints.

If you have any concerns or wish to make a complaint about our services, please lodge a complaint via our website and include the following information:

  1. 1. your full name;

  2. 2. contact details;

  3. 3. description of your complaint; and

  4. 4. what outcome do you want,

View our complaints form here.

Please include as much information as you can to help us resolve your complaint.

You can also find more information about our complaints process by going to our complaints page.

We will attempt to resolve any complaint we receive as soon as possible. This process helps ensure we perform our services to all our customers to the high standard we pride ourselves on and reduce the chance of escalating any complaint.

Contact us

How long will it take?

We will endeavour to resolve the complaint on the spot or within days. We'll keep you informed of our progress and if we're unable to resolve your complaint within 21 days we'll tell you that we need more time or more information from you to investigate.

External Dispute Resolution

If you are dissatisfied with the outcome of InDebted’s internal dispute resolution process provides, you can refer your complaint to the Australian Financial Complaints Authority (AFCA). AFCA provide consumers and small businesses with free and independent dispute resolution for financial complaints.


1800 931 678 (Toll-free)



By Mail

Australian Financial Complaints Authority Limited

GPO Box 3

Melbourne, VIC 3001

Our Details

This Credit Guide dated 9 November 2021 is provided by InDebted Australia Pty Ltd ACN 613 132 951, Australian Credit Licence 522850, AFCA membership number 71939.


Feel free to conduct us at any time. We are happy to help you with any questions you might have.