Subject: Outstanding Debt Notice for Timothy: Your Amazon purchase balance Balance owed to Affirm, Inc.
From: January <[email-masked]>
To: [email-masked]
Date: Sat, 7 Mar 2026 14:17:44 +0000

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                                                                                                                                    https://january.com/b/VSkv4m6clp3FyTsC

                                                                                                                            

                                                                                                                            

                                                                                                                

                                                                                                        

                                                                                                                

                                                                                                                            

                                                                                                                                

                                                                                                                                        

                                                                                                                                                    

                                                                                                                                                                
                                                                                                                                                                    PIN:

                                                                                                                                                            

                                                                                                                                                                    W68EPY

                                                                                                                                                        

                                                                                                                                            

                                                                                                                                    

                                                                                                                                            

                                                                                                                                                        https://january.com/b/VSkv4m6clp3FyTsC

                                                                                                                                            

                                                                                                                                

                                                                                                                                

                                                                                                                        

                                                                                                            

                                                                                                    

                                                                                                

                                                                                    

                                                                            

    

            
                Timothy Bourdeau  6434 W CHERRYWOOD ST  CRYSTAL RIVER, FL 34429March 7, 2026

        

                Hi Timothy Bourdeau,

        

                January is a debt collector.

                We are trying to collect a debt that you owe to
                Affirm, Inc.. We will use any information you 
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                give us to help collect the debt. Please take a moment to review the balance and make sure our information is accurate.

        

                
                    
                        Our information shows:

                        
                            You had
                            an
                            Amazon purchase balance
                            from
                            Affirm, Inc.
                            with an account number ending in
                            JJPF.

                        As of
                            February 28, 2026, you owed:
                        $1,260.60

                        Between
                            February 28, 2026
                            and today:

                    
                        You were charged this amount in interest:
                        +
                            $0.00

                        You were charged this amount in fees:
                        +
                            $0.00

                        You paid or were credited this amount toward the debt:
                        -
                            $0.00

                        Total balance due:
                        $1,260.60

            

        
        
            Notice: See the bottom of this email for important information.

        

                At your convenience, you can contact us about your balance by phone, mail, or email. You can also use our website 24/7 to pay 
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                the debt, set up a payment plan, file a dispute, request debt validation, or learn more information about the debt.

        
        
            https://january.com/b/VSkv4m6clp3FyTsC

        

                How can you dispute the debt?

                
                    Call or write to us by
                    April 16, 2026
                    to dispute all or part of the debt. If you do not, we will 
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        assume that our information is correct.

                    If you write to us by
                    April 16, 2026, we must stop collection on any amount you dispute until we 
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        send you information that shows you owe the debt. You may use the form below or write to us without the form. 
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        You may also include supporting documents.

                    We also accept disputes electronically
                    https://january.com/b/VSkv4m6clp3FyTsC?dis.

        

        
            
                What else can you do?

                
                    Write to ask for the name and address of the original creditor, if different from the current creditor. 
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            If you write by
                    April 16, 2026, we must stop collection until we send you that information.

                    We accept original creditor information requests via phone, email, or mail. You can use
                    https://debtsy-assets-public.s3.us-west-2.amazonaws.com/email/Original+Creditor+Request.pdf
                    to request this information by mail or email.

                    Go to
                    https://www.cfpb.gov/debt-collection
                    to learn more about your rights under federal law. For instance, you have the right to stop or limit our 
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        communications to you.

                    https://www.january.com/contact
                    about your payment options.

        

        
            https://january.com/b/VSkv4m6clp3FyTsC

        

                If you have questions, please contact us by phone, mail, or email. You can reply to this email and we'll respond 
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                in one business day. You can also access your balance on our site 24/7 using your email address and PIN.

    

                                                                            

                                                                                    

                                                                                                

                                                                                                            

                                                                                                                

                                                                                                                        

                                                                                                                                    

                                                                                                                                                

                                                                                                                                                            
                                                                                                                                                                Sincerely,

                                                                                                                                                    

                                                                                                                                        

                                                                                                                                        

                                                                                                                                                

                                                                                                                                

                                                                                                                    

                                                                                                                    

                                                                                                        

                                                                                            

                                                                                                    

                                                                                                                

                                                                                                                            
                                                                                                                                https://january.com
                                                                                                                                tel:+18663001169
                                                                                                                                mailto:[email-masked]

                                                                                                                    

                                                                                                                    

                                                                                                                    

                                                                                                                                January
                                                                                                                                
                                                                                                                                    176 Grand Street, 4th Floor
                                                                                                                                
                                                                                                                                    New York, NY 10013-9998

                                                                                                                        

                                                                                                            

                                                                                                

                                                                                    

                                                                            

                                                                                    
                                                                                        January is a proud member of the ACA, RMAi, and an accredited member of the Better Business Bureau (BBB).

                                                                                        

                                                                                            

                                                                                            

                                                                                            

                                                                                

                                                                            

                                                                                        

    

                                                                                            

                                                                                            

                                                                                            

    

    

        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

                                                                    

                                                                    

                                                                    
                                                                        
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