Josh Foreman, InDebted.

Dexter Cousins speaks to Josh Foreman, Founder and CEO of InDebted, a Fintech revolutionising debt collection.

InDebted replaces annoying and confronting calls with convenient and compelling messaging. Using data science to understand customers better, every message from InDebted provides one-click access to a self-service portal where customers can resolve their accounts without speaking to anyone. 

Dexter talks to Josh about how technology is humanising debt collection and in the process improving people’s financial and mental wellbeing.

Josh himself is a serial entrepreneur.  He’s your quintessential computer nerd,  got his first computer at 10, was building his own by 12, he then ran an online review website during high school to pay for broadband internet (when that became a thing).

During university, Josh fell in love with the idea of building his own company. He lasted all of 18 months in the corporate world before jumping into his first start-up.

InDebted is Josh’s third startup where he is focused on redefining the global collections industry.

To find out more go to https://www.indebted.co/

What happened next.

This was Josh’s first appearance on Fintech Chatter, recorded in November 2020 when InDebted was still largely an Australian business. A lot has changed since.

An expansion into Canada pulled the company into the United States, which InDebted entered in 2021 by acquiring a business to get the licensing infrastructure it needed. By mid-2022 the majority of the business was American, run by an Australian executive team. In 2022 InDebted was named Australia’s best place to work by the Australian Financial Review. By 2025 it was operating in seven markets and had raised a US$30 million Series C.

• Global expansion, Josh Foreman, InDebted (2025) — seven countries, the Series C, and why Josh moved to the US
• InDebted, Josh Foreman (2022) — hiring, scaling, and the four-day work week
• All Fintech Chatter episodes