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InDebted and Meedaf announce strategic partnership to transform debt resolution in the UAE. Read more

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The AI-powered alternative to US debt collection agencies

InDebted is the enterprise debt collection partner of choice for industry-leaders such as Klarna, Upstart and T-Mobile.
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SOLUTIONS
Transforming enterprise collections with smarter solutions
Whether you're outsourcing collections or transforming internal operations, our AI-powered solutions deliver superior results and an outstanding customer experience.
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Modern replacement for first-party systems

Enterprise-ready collections infrastructure, combining intelligent software with consultative support to deliver smarter strategies, stronger results and better control.

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AI-powered, human centered outsourcing

Third-party collections with intelligence, experience and compliance at its core, consistently outperforming traditional agencies.

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“As a global debt collection agency, partnering with InDebted has saved us the time, cost and inefficiencies of needing a new supplier in every region. InDebted is a key part of us delivering our customers a better way to shop, globally.”

Jan Hansson

Jan Hansson

VP, Collections

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Trusted by leading US businesses

Klarna T-mobile One main
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Our operations
Meet our team

  • Brad brings decades of leadership experience in collections, having co-founded M&G Solutions and held executive roles at Capital One, Teleperformance, and Affinity Global. He has worked with top US financial institutions to drive growth, customer-centric strategy, and operational excellence.

    Brad Bone

    President, InDebted USA

  • Charlie is a seasoned collections leader with deep expertise in high-volume operations. He’s held senior collections roles including Afterpay and M&G Solutions., At InDebted, Charlie excels at drivng performance through data-led strategy, strong client relationships, and technology-enabled engagement.

    Charlie Allen

    Director of Client Solutions

  • Colene is an expert compliance executive with nearly 30 years in ARM directing nationwide compliance programs. She leads US regulatory strategy at InDebted, ensuring industry-leading standards in consumer protection, risk management, and audit readiness.

    Colene McNinch

    Director of Business Operations & Compliance

  • Toni is a trusted client success leader, with over 25 years’ experience managing strategic collections partnerships. At InDebted, Toni oversees US clients, aligning strategy and performance to support growth. Prior, she held senior roles in QA and compliance leading complex programs and audits.

    Toni Metzger Lewis

    Client Solutions Director

  • Mike brings nearly 15 years of data science leadership experience to InDebted, with senior roles at PwC. He strategically builds the proprietary machine learning and AI infrastructure powering InDebted’s industry-leading collections technology - setting new standards for success.

    Mike Zhou

    VP of Data and AI

  • Jon is a senior collections executive with over 25 years of experience leading US operations. With senior leadership roles at AllianceOne and Teleperformance, Jon is known for his expertise in strategy, compliance and delivery - with a strong track record in scaling collections performance.

    Jon Avery

    Director of Collections

COMPLIANCE

Trusted & secure

Compliance is built in to our solutions by code, ensuring every interaction meets the highest security, quality and regulatory standards.
Strict controls
Work with our experts to define custom rules by state or portfolio — with auditable actions, built-in approvals, and embedded consumer protections to meet your compliance standards.
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Robust third-party operations
Collect is fully licensed in all states including New York City, and backed by enterprise-grade certifications, rigorous QA, and third-party agents trained through custom regulatory programs.
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MODERNISE FIRST-PARTY

Smarter internal collections, managed for enterprise

  • Reduce cost-to-collect

    Receeve integrates seamlessly into your ecosystem to run integrated first-party campaigns, combining your brand, data and goals with our intelligent execution.

    • Personalised engagement sharpened by AI behavioural scoring
    • Branded customer journeys - from emails to self-serve portals
    • Operational & strategic management from our expert team
    Learn more about Receeve
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THE FUTURE OF THIRD-PARTY

The best of voice and digital, in one intelligent solution

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    40% uplift with omnichannel

    Compared to voice-only strategies, see up to 40% higher performance with personalised omnichannel engagement tailored to each customer.

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    Intuitive campaigns

    Enter a new era of voice intelligence. High performing strategies with personalised offers, better outcomes and a 5-star customer experience.

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    86% self-serve rate

    Cure low risk accounts faster, with over 4 in 5 resolving without speaking to an agent - making it easier for customers to repay, their way.

Learn more about Collect
CLIENT STORY

Trustly improves collections performance and scales referrals 12x

  • Challenge

    • 2023 was a year of rapid growth for Trustly, reaching $58 billion in annual transaction value – a 79% YoY increase.
    • In this period of growth, their monthly collections referrals increased 12x.

  • Impact

    • 92% improvement in collections performance since partnering with InDebted from July 2022.
    • Nearly $4 million recovered in 10 months, with 4 in 5 customers resolving balances in full.
    • Breakthrough holiday season performance in H2 2024, historically a tough collections period.
Location
Global
Industry
Payments
Business size
650 million customers
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“We want to empower our customers to resolve their overdue balances in a way that truly works for their circumstances. InDebted makes that seamless. Finding a collections partner that can support our growth, while still providing an exceptional experience for our customers is a win-win.”

Rakesh Teckchandani

Rakesh Teckchandani

Senior Director Risk Product

Read Trustly's story

Find licensing information where you operate

Our third-party solution meets all licensing and regulatory requirements in the United States.
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InDebted is the AI-powered alternative to traditional debt collection agencies in the US. We partner with leading businesses, using advanced technology to improve recovery rates, create better customer experiences and ensure compliance. Our approach moves away from outdated legacy methods and into a modern, customer-first future.

See the experience

Businesses like Klarna, Upstart and more choose InDebted because we combine advanced AI technology with a true partnership approach. Our expert team has decades of specialist collections experience, from strategy and operations to compliance.

Alongside dedicated industry expertise across telecommunications, financial services, fintech and utilities, InDebted’s innovative technology enables leading brands to take their collections strategy further while preserving customer relationships. This approach leads to stronger performance, greater transparency and a focus on protecting your brand reputation, setting us apart from traditional agencies.

Read our client stories

Yes, outbound voice is an integral part of our collections strategy. InDebted uses a hybrid approach that combines advanced digital engagement with targeted, strategic outbound calls. We use AI and machine learning to identify which customers are most likely to respond to voice, so our teams can focus on high-impact conversations while minimizing unnecessary contact. This leads to better outcomes for our clients and a more respectful experience for consumers.

Explore Omnichannel

Our AI personalizes every customer interaction to improve collections strategies, increase engagement and reduce operational costs for US businesses. This helps boost collection rates and gives both companies and customers a smoother experience.

Learn more about Collect’s AI

We partner with a range of US businesses including fintech, telecommunications, payments, financial services and utilities. Our solutions are designed to deliver digital-first collections for companies looking for innovation, compliance and a focus on the customer experience.

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