UNITED ARAB EMIRATES

Fair, transparent and modern collections for UAE consumers

An innovative and ethical solution to legacy collections practices, empowering UAE consumers to achieve better financial outcomes.
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  • Personalisation

    Personalisation

    Digital-first solutions empower customers to manage their accounts with dignity and flexibility.

  • AI-powered

    AI-powered

    Generate 40% higher liquidation rates compared to traditional methods through our Machine Learning strategy.

  • Fair and ethical

    Fair and ethical

    Our incentive structure rewards our team based on fair customer outcomes, with no misaligned incentives.

Ethical principles, effective results

  • Supporting Shariah-compliant lenders

    Maintain your values throughout the entire customer journey — including collections — with an experience rated 4.9-stars on average from over 2,500 Google reviews.

  • Flexible payment options

    Including customisable payment plans, digital wallets and more, our payment options can suit each customer’s unique preferences.

  • Complete self-serve capability

    Built for transparency and convenience, 86% of paying customers resolve their accounts independently using our Customer Portal.
    Customer portal
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InDebted launches in the UAE to provide modern debt resolution experiences through AI

Published on Mar 25, 2025
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Published on Mar 25, 2025

InDebted launches in the UAE to provide modern debt resolution experiences through AI

Read more
Our operations
Global outlook, local expertise

  • As Founder and CEO, Josh has led InDebted from a startup to a high-growth industry disruptor. His strategic vision of merging cutting-edge technology with customer-first solutions has redefined industry standards, transforming InDebted into a global leader that's revolutionising how businesses manage collections.

    Josh Foreman

    Founder & CEO

  • Josh has over seven years of hands-on experience leading programs and operations across banking, scale-ups and start-ups. He has played a key role in InDebted’s global expansion into the USA and LATAM, led acquisition integrations, and scaled global operations. In his current role, he supports new markets and drives strategic initiatives.

    Josh Stephens

    Head of Customer Experience

  • Stuart is an experienced sales and strategy leader, with previous roles at Macquarie and Go Cardless. At InDebted, he leads systematic new market entry – from region identification through to launch execution. Supported by creating strong relationships with market leaders, Stuart drives our global expansion strategy.

    Stuart Ahmet

    Growth & New Markets Leadß

Built for high-growth Islamic Finance institutions

  • Multi-regional compliance

    Local regulations are built into our infrastructure by code, ensuring collections activity is consistent with applicable laws and regulations.

  • Customer experience excellence

    Our digital-first solutions and leading Customer Experience Team empower customers to manage their accounts with dignity and flexibility.

  • Human-centered technology

    Combining technological innovation with human understanding, such as personalised strategies and culturally sensitive communication schedules.
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Find licensing information where you operate

InDebted meets all licensing and regulatory requirements in the United Arab Emirates.
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