SYDNEY, Australia –– InDebted, the Sydney headquartered fintech that specializes in digital debt collection for unsecured consumer debt, today announced that it has acquired Delta Outsource Group Inc. (Delta) in the USA to launch its product and service into the American market, and hired three key executives to help globally scale InDebted.


The United States is the 4th market that InDebted has entered and will be a key focus for the business moving forward. The acquisition of Delta will expedite InDebted’s launch in the USA and provide a solid foundation for the business.

The rapid growth of InDebted fintech clients, especially in the American market, has prompted InDebted to bring forward its entry into the USA to meet the growing needs of these clients. This combined with the recent policy update by the CFPB with regard to the Fair Debt Collection Practices Act (1977) to allow digital contact methods as valid methods of customer outreach has provided an enormous opportunity for InDebted’s digital collections platform.

InDebted has also welcomed three key executives into the business.

Joe Gelbard joins InDebted as Chief Revenue Officer and is responsible for revenue growth and client engagement.

Tim Collins joins InDebted as Chief Customer Officer and will be responsible for all customer-facing functions as well as legal, risk, and compliance.

John Watson joins the InDebted group as the new CEO of Delta and is responsible for the operations of Delta.

Both John and Joe are based in San Francisco, while Tim is based in Los Angeles. Joe, Tim, and John are all experienced executives with extensive backgrounds in both digital and traditional collections operations in the American market.

Josh Foreman, InDebted’s Founder and CEO commented:

“2021 is off to a flying start for InDebted. Our acquisition of Delta will supercharge our entry into the US which is going to be a very important market for our business, especially in light of the regulatory changes to collections recently proposed by the CFPB that legitimize digital collections across multiple channels, which is what InDebted was built for. I’m also really looking forward to working with Tim, Joe and John who are widely respected in the collections industry and are going to help us scale the InDebted operations both domestically in the USA as well as internationally”.

Joe Gelbard, InDebted’s Chief Revenue Officer commented: “I’ve been following the InDebted story for some time now and when the opportunity came up to join the business I couldn’t say no. InDebted is at the forefront of change in this industry and is the only player with a truly global mindset. I’m looking forward to the journey.”

Tim Collins, InDebted’s Chief Customer Officer commented: “I am excited to be joining this global team focused on creating the best and most compliant debt collection experience for our customers around the world. Now, more than ever it is time to focus on customers and InDebted is doing just that.”

John Watson, new CEO of Delta commented: “It’s an exciting time to be joining Josh and the InDebted team as they enter the collections market in the USA. I’m looking forward to growing the operations of Delta and combining it with the digital-first collections platform that InDebted has built, which in my mind is certainly where the future of the industry is headed.”

About InDebted
InDebted is a Sydney headquartered fintech that specializes in digital debt collection and is building global collections infrastructure. The proprietary debt collection platform built by InDebted uses digital communications, data and amazing customer experiences to deliver the best collections outcomes for both clients and their customers. For more information about InDebted please visit

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