Subject: Your tax refund can do a lot
From: January <[email-masked]>
To: [email-masked]
Date: Sat, 21 Mar 2026 22:02:51 +0000

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        A few quick tips to help you feel more confident with your money.

        

                

                            

                                        

                                                    

                                                                

                                                                        

                                                                                    

  

      

            

            

                  

                        PIN: W68EPY

                        
                        
                        https://january.com/b/3K8AKi_6n7s1LL5B

                    

              

        

  

  
    
      Your tax refund can do a lot

  

      Hi Timothy,
      A tax refund can feel different when there’s a balance on your mind. Before you decide what to do with it, here are a few things to consider:

  

      
        
          •
          Cover the essentials. Rent, utilities, groceries. Everything else is easier once the essentials are covered.

          •
          Build a small buffer. Setting a little aside can make a big difference. Surprises are less surprising when you’ve got some room.

          •
          Pick one “stress reducer.” If you have a balance that’s been weighing on you, putting a little toward it can buy some breathing room.

    

  

      It’s your refund, your money. There isn’t one right way to use it. Your Amazon purchase balance balance is one place to start. Log in to see your options.

  

      

            
            
            https://january.com/b/3K8AKi_6n7s1LL5B

        

  

                                                                                

                                                                        

                                                                            

                                                                                        
                                                                                            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

                                                                                    

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