OwedGet the app

The Owed app showing claims against brands that sent spam texts

For every spam text, someone owes you.

Brands that text you without permission can owe you up to $1,500 a text. Owed finds them and writes your claim.

Download on theApp Store

Brands That Paid Up

$75.5M

Capital One

$45M

AT&T

$20M

Uber

$16.5M

Papa John's

$12.5M

Cash App

$11M

Walgreens

Class action settlement totals from public reporting. Owed is not affiliated with these companies, and they did not admit wrongdoing.

How Owed Works

1Scan

Screenshot your spam texts and add them. Owed reads every message.

2Find

See which brands broke the law and what each claim could be worth.

3Claim

Owed writes the demand letter. You send it from your own email.

4Protect

Block spam, join Do Not Call, and catch brands that ignore STOP.

Swipe to see each step

Download on theApp Store

Designed to enforce your rights.

The law is on your side

Brands need your consent to text you
STOP means stop
Every illegal text can be worth up to $1,500

Owed finds the texts that broke the rules and writes your claim.

Tap a law to read it

TCPA

47 U.S.C. § 227

FCC rules

47 C.F.R. § 64.1200

FDCPA

15 U.S.C. § 1692

Florida FTSA

Fla. Stat. § 501.059

Your spam texts could be worth money.

Download Owed and scan your texts in minutes.

Download on theApp Store

The Owed wallet showing potential earnings

Frequently Asked Questions

How does Owed find money I'm owed?

You add screenshots of your texts. Owed checks every message against federal and state texting laws and shows which brands broke the rules, plus what each claim could be worth.

Do I need receipts or proof?

Just screenshots of the texts. If you replied STOP, include that too. It's often the strongest part of a claim.

Do I need a lawyer?

No. Owed writes a demand letter that you send to the company yourself. Owed isn't a law firm and doesn't give legal advice.

Does Owed send anything for me?

Never. Your letter opens in your own email app, ready to send. If the company pays, it pays you directly. The money never passes through Owed.

How much does it cost?

Owed is free to download. One subscription unlocks everything, nothing inside the app costs extra, and Owed never takes a cut of what you recover.

How do I delete my account?

In the app, tap the gear icon on the Claim tab, then Delete account. Everything is deleted for good.