Subject: Pay as little as $882.42.
From: January <[email-masked]>
To: [email-masked]
Date: Thu, 2 Apr 2026 20:05:12 +0000

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        You now can reduce your Amazon purchase balance balance.

        

                

                            

                                        

                                                    

                                                                

                                                                        

                                                                                    

  

      

            

            

                  

                        PIN: W68EPY

                        
                        
                        https://january.com/b/Zcpfl7gs21qzk0gK

                    

              

        

  

  

      
        
          $1,260.60

          $882.42

          Get 29.99% off your Affirm, Inc. balance.

      

      
      
      https://january.com/b/Zcpfl7gs21qzk0gK

  

  

    

  

      

            
              Small steps. Big relief.

        

            

              

                

                  Negotiate your balance today and request 29.99% off.

              

                  

                
                  Get your offer accepted instantly.

              

                  

                
                  Pay less than you owe.

            

        

  

  

      
        
          Hi Timothy,

          Life feels lighter when you're moving forward. Take the next step and get 29.99% off your Affirm, Inc. balance and step into a little more
peace of mind.

      

  

      
      
      https://january.com/b/Zcpfl7gs21qzk0gK

  

  

  

      

            https://january.com

            tel:8663001169

            mailto:[email-masked]

      

                                                                                

                                                                        

                                                                            

                                                                                        
                                                                                            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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