About Us • InDebted (Canada)

About InDebted

We are on a mission to erase the stigma of debt.

Our Story

After experiencing firsthand the shortcomings of traditional collection agencies, our founder Josh Foreman envisaged a better way. A product-led business that delivered a better experience for everyone involved. An experience built upon digital communications, data-driven decisioning, and exceptional customer (not debtor) experiences.
The concept behind our mission is simple, traditional debt collection sucks. It's failing the people receiving annoying calls, failing the firms hiring debt collection agencies, and failing those that work in them. Well now there is a better way.
InDebted was founded in 2016 to change that. From an idea in a loungeroom, InDebted has grown into a global leader. We're an incredible team of people commited to making a difference and fulfilling our vision to empower through financial fitness.
We've replaced those annoying calls with convenient and compelling messaging. We use data science to understand our customers better than anyone before us. This allows us to communicate with our customers via the right channel, with the right message, at the right time. Every message from InDebted provides one-click access to a self-service portal where customers can resolve their account without speaking to anyone. In fact, over 90% of our customers do just that .
Our clients get an entirely new type of partnership compared to what they have had previously with their traditional debt collection agencies. A single API that can support their operations globally. A company that is as passionate about their customers as they are. Compliance that is built into code and removes the risk of human errors. Customer service staff (not debt collectors) that are compensated on NPS not dollars collected. All of this delivered with unmatched recovery performance.
The amazing people who work at InDebted get a fulfilling career and the opportunity to make a real difference. Instead of being ashamed of where they work, they praise it (just read our Glassdoor reviews). Our team enjoy a remote-first culture that rewards results not hours logged. We invest heavily in our people and their growth. Above market compensation, stock options, and unlimited paid leave are all standard.
Tim and Hugo
“ It’s not often you get to work for a company and a team that is so passionate about offering solutions that makes peoples’ lives easier. Disrupting an old school industry, and delivering an awesome customer experience is extremely rewarding. ”
Hugo Rajotte
Head of Growth

What you should know

We're a digital agency

Well we're actually a tech company. Our product is a digital-first, data-driven collections service that delivers the best customer experience in the world.


It's customer, not debtor

We hate the word debtor, in fact, it's banned in our offices. We work for our customers, the people we support (on behalf of our amazing clients).


We ♥️ financial fitness

Offering a superior debt collection service is just the start of our journey. We are building a platform to empower the financial fitness of our customers.

Financial Fitness

Numbers don't lie

With >$1B in accounts processed, a 91% automated collections rate, and a 4.9/5.0 rating on Google, we must be doing something right.
customers supported through our platform
improvement in collections vs. traditional agencies
customer satisfaction rating, Google it yourself
remote-first locations with offices in major cities
amazing team members across 8 countries
in venture funding from respected firms

We live by our values

They are core to everything we do.
DVI value logo
Diversity + equality = individuality
FTR value logo
Fuel the rocket, enjoy the journey
CIE value logo
The customer is everything
TBT value logo
Transparency breeds trust
WBM value logo
We before me

Our leadership team

Some of the amazing people behind the scenes.
Marie Alviz
Marie Alviz
Head of Customer Service
Mariza Ilagan
Mariza Ilagan
Head of Training & Quality
Ellie Tahzib
Ellie Tahzib
Chief of Staff
Hugo Rajotte
Hugo Rajotte
Head of Client Success
Lyndonn Conabere
Lyndonn Conabere
Head of Happiness
Tim Collins
Tim Collins
Chief Customer Officer
Jag Khangura
Jag Khangura
Managing Director Canada
Dom Reardon
Dom Reardon
Managing Director UK
Josh Foreman
Josh Foreman
Founder & CEO
John Watson
John Watson
CEO InDebted USA, Inc.
Nicole Cummins
Nicole Cummins
VP, Risk & Compliance - North America
Lachlan Heussler
Lachlan Heussler
Chief Strategy Officer
Joe Gelbard
Joe Gelbard
Chief Revenue Officer
Russel Cummings
Russell Cummings
VP Customer Experience
Ben Watiwat
Ben Watiwat
VP Finance & Operations
Wagner Camarao
Wagner Camarao
Head of Engineering
Interested in joining? View Careers

As featured in

AFR logo
Forbes logo
Smartcompany logo

Backed by respected venture capital firms

Reinventure Logo
Carthona Capital logo
Mass Mutual Ventures logo
OneVentures logo