Subject: Put your money where it matters most
From: January <[email-masked]>
To: [email-masked]
Date: Thu, 19 Mar 2026 19:01:52 +0000

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        If resolving this would help you feel more in control.

        

                

                            

                                        

                                                    

                                                                

                                                                        

                                                                                    

  

      

            

            

                  

                        PIN: W68EPY

                        
                        
                        https://january.com/b/kdkTL8uMG9RDgU2x

                    

              

        

  

  
    
      It’s your money. You deserve it.

  

      Hi Timothy,
      You work hard for your money. Your tax refund is yours.
      For some people, putting even part of it toward something that reduces stress can make a real difference. Fewer loose ends. More flexibility. A little more breathing room.
      If resolving your Amazon purchase balance balance would help you feel more in control, log in to see what your options look like.

  

      

            
            
            https://january.com/b/kdkTL8uMG9RDgU2x

        

  

                                                                                

                                                                        

                                                                            

                                                                                        
                                                                                            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 the ACA, 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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