19d304163b0a769319d304163b0a7693/Volumes/Storage Drive/Homelab_Apps_storage/mcp-server/backups/email/tjphuhs@gmail.com/2026/2026-03-27/20260327-170443-19d304163b0a7693.eml
Base Template
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A few simple ways to put it to work for you.
PIN: W68EPY
https://january.com/b/GxpanVBVKUteWcI-
Make the most of your refund
Hi Timothy,
If you’re expecting a tax refund, it can help to decide early what you plan to do with it. You don’t need a perfect plan. One thoughtful move can make the next few months feel easier.
Three things worth considering:
•
Set aside a buffer. Even a small cushion takes the edge off unexpected expenses.
•
Put something toward a balance that’s been on your mind. You don’t have to resolve it all at once. A step in the right direction still counts.
•
Start something you’ve been putting off. A short-term goal, a small savings habit — something that makes future-you a little better off.
If your Amazon purchase balance balance is the one that’s been on your mind, logging in shows you exactly what your options look like — so you can decide if now’s the right time.
https://january.com/b/GxpanVBVKUteWcI-
Affirm, Inc. trusts January as a partner to help you repay your balance. January helps 100K+ people every month to pay down their balance.
January is a proud member of RMAi and an accredited member of the Better Business Bureau (BBB).
The New York State Department of Consumer Affairs License Number: 2056220-DCA. This account was originated with Affirm, Inc.. The current balance on the account is $1,260.60. You can call January at (866) 300-1169 to discuss this account.
† Restrictions on payment plan duration, frequency, and payment amount may apply. All payment plans must be accepted by January and/or the current creditor.
You can access your account information and chat with us 24/7 by logging into the borrower portal.
If you need additional help, feel free to contact us by phone (866) 300-1169, mail, or email. Our hours of operation are Monday-Friday, 9am-7pm ET.
This communication is from a debt collector. This is an attempt to collect a debt
and any information obtained will be used for that purpose.
January
176 Grand Street, 4th Floor
New York, NY 10013-9998
Copyright © 2026
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or
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