InDebted: Who They Are and Your Rights

Type

Collection agency

Also known as

InDebted Corporation; InDebted Holdings Pty Ltd; Delta Outsource Group; AmSher Collection Services

Collects

fintech and buy-now-pay-later balances, subscription and payment accounts, telecommunications accounts, utility bills

Phone numbers it lists

(888) 306-3160, (800) 955-7632

Website

indebted.co/en-us

573 debt collection complaints were sent to the Consumer Financial Protection Bureau about InDebted Corporation from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is InDebted?

InDebted is a debt collection company that Josh Foreman founded in Sydney, Australia, in 2016. It now operates in the United States, Canada, Mexico, Australia, New Zealand, the United Kingdom and the United Arab Emirates. The website copyright line names InDebted Holdings Pty Ltd, and the CFPB lists the U.S. business as InDebted Corporation.

InDebted entered the U.S. in February 2021 by acquiring Delta Outsource Group Inc., a collection agency based in O'Fallon, Missouri. In July 2025 it acquired the assets of AmSher, an Alabama agency known for telecom and cable collections, and AmSher accounts moved to the InDebted name on February 21, 2026 (see our separate AmSher profile). InDebted's U.S. site lists NMLS company number 908487 and a mailing address at the InDebted Mail Processing Center, 1551 Emancipation Hwy, Unit 1511, Fredericksburg, VA 22401.

Why InDebted May Be Contacting You

InDebted's help center says it's likely you "missed a payment or bill" with one of its partner companies. The company markets its third-party collection service to four groups: fintech and buy-now-pay-later lenders, subscription and payment businesses, telecom and utility providers, and debt buyers. A message from InDebted could therefore concern a missed installment on an online purchase, a lapsed subscription, a phone or internet bill, or an account that a debt buyer now owns.

InDebted relies heavily on email, text and its online portal rather than phone calls. It says genuine emails come only from @indebted.co or @indebted.us addresses and will include your name and account details. Its U.S. phone number is (888) 306-3160, and former AmSher customers are told to call (800) 955-7632.

How to Check a Debt InDebted Says You Owe

Digital-first collection makes it easy to click "pay" before you've confirmed anything. Slow down and check these points first:

• Get the validation notice. A collector may deliver it electronically if it follows Regulation F's e-delivery rules (12 C.F.R. §§ 1006.34, 1006.42). It must state the creditor, an itemized balance and your dispute deadline (15 U.S.C. § 1692g).
• Dispute in writing in time. The notice must tell you how to dispute, including any email or online option the collector accepts. Keep a copy or screenshot of what you send. A timely written dispute means collection must pause until InDebted provides verification.
• Find out who owns it. For a pay-later or subscription balance, ask whether the merchant, the lender or a debt buyer holds the account now.
• Check the numbers. Pay-later accounts often add late fees; subscriptions can bill after cancellation. Compare the itemization with your order history and cancellation confirmations.
• Check the age. In Texas, most debts must be sued on within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers can't sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states use different time limits.

What InDebted Can and Can't Do

A company that regularly collects consumer debts for others is a "debt collector" under 15 U.S.C. § 1692a(6), and InDebted's own site carries the FDCPA debt-collector disclosure. For an email- and text-heavy collector, these rules matter most:

• Every collection email and text must include a clear, simple way to opt out (12 C.F.R. § 1006.6(e)).
• It can't email you at an address it knows your employer provides, except in limited circumstances (12 C.F.R. § 1006.22(f)(3)).
• It can't send messages at times it knows are inconvenient, generally before 8 a.m. or after 9 p.m. your time (15 U.S.C. § 1692c(a)(1)).
• Its calls are still capped at seven in seven days per account (12 C.F.R. § 1006.14(b)(2)). Our Regulation F summary explains the call, text and email rules.

InDebted says it doesn't report to credit bureaus itself and leaves that to the original creditor. If you think a collector crossed the line, our FDCPA attorneys can review your messages.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If InDebted or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• InDebted: U.S. home page and footer disclosures
• InDebted: About
• InDebted: Collect (third-party collections) and industries
• InDebted Help Hub: About your debt
• InDebted: AmSher is now InDebted
• InDebted newsroom: InDebted acquires AmSher (July 10, 2025)
• AccountsRecovery.net: InDebted completes acquisition to enter the U.S. market (Feb. 8, 2021)
• CFPB Consumer Complaint Database: InDebted Corporation, debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that InDebted has violated any law. Company details change; tell us if something here is out of date.