Subject: Your payment negotiation was accepted
From: January <[email-masked]>
To: [email-masked]
Date: Tue, 14 Apr 2026 14:09:18 +0000

@media screen and (min-width: 500px) {
    .body {
        padding-left: 56px !important;
        padding-right: 56px !important
        }
    .container {
        font-size: 16px !important
        }
    .header {
        padding-left: 56px !important;
        padding-right: 56px !important;
        padding-top: 48px !important;
        margin-bottom: 50px !important
        }
    .pin {
        font-size: 14px !important
        }
    .body-container {
        padding-bottom: 48px !important
        }
    }

    Important update regarding your request

    

                

                April 14, 2026
                Login PIN: W68EPY

        

                    Hi Timothy Bourdeau,
                    
                        Good news! The payment negotiation request you submitted on  April 14, 2026 for your account ending in JJPF was approved. This account originated with Affirm, Inc..

    Client Name: Affirm, Inc.
    Account Number: Ends with JJPF
    Original Balance: $1,260.60
    Amount reduced in negotiations: $260.60
    Amount Due: $1,000.00
 We invite you to log on to our website at https://january.com/b/8-NK4g_qF8ckjKtq to pay the negotiated amount of $1,000.00, less any amount already paid to January.
On our website, you can choose between paying by debit card or mailed check.
Now that your request is approved you must set up a payment within 30 days. If the full negotiated payment amount is not received within the agreed timeframe or is subsequently returned by your bank as unpaid, the agreement will be void and a new agreement must be reached.

If you need to reach us to discuss the account, please reply to this email or give us a call at (866) 300-1169.

                    
                    
                        Best,

                        January Support Team
                        mailto:[email-masked]
                        (866) 300-1169

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

                

                        January is a proud member of 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.

            
                https://www.january.com/sns/unsubscribe?s=6Xu3wOvLhFQRo7aG&t=.eJxFj7FqxDAQRP9FdTbYK0uyr7siRSD5A4NZrdZGYMmHT6pC_j1GkKSdmTfMqK9ZxSC5xDXKOavbrIL4cpw3EXTrhA6sCIMZ1h5GywTBeDY4Ea8os3qZlSSK-0IhnPJ8LrXG0GosdrobrYaehWDQvQcfRgbqg_bC4hCnxvOR0j-GDnst5AGNWBhcmMAwWpioc5ZG7c3ADaslLUlCrKlxb5_3948_gyk9KG75snLd91_1yOW62vLljNsm52uW7SiRSjzyQszyKHIN-VY_37xZjg.ad5KjQ.l-QFOTs0J5NrOxdxUK7FIf6vpVQ or https://www.january.com/borrower/email_unsubscribe/olrn-lmjSv53u3Yx/.eJxFj7FqxDAQRP9FdTbYK0uyr7siRSD5A4NZrdZGYMmHT6pC_j1GkKSdmTfMqK9ZxSC5xDXKOavbrIL4cpw3EXTrhA6sCIMZ1h5GywTBeDY4Ea8os3qZlSSK-0IhnPJ8LrXG0GosdrobrYaehWDQvQcfRgbqg_bC4hCnxvOR0j-GDnst5AGNWBhcmMAwWpioc5ZG7c3ADaslLUlCrKlxb5_3948_gyk9KG75snLd91_1yOW62vLljNsm52uW7SiRSjzyQszyKHIN-VY_37xZjg.ad5KjQ.MB11jnO2p4KDkA9V90Wmh7Ws-9o.