Subject: Oh no! Your payment negotiation request is going to expire
From: January <[email-masked]>
To: [email-masked]
Date: Mon, 20 Apr 2026 23:06:28 +0000

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    Your request is going to expire

    

                

                April 20, 2026
                Login PIN: W68EPY

        

                    Hi Timothy Bourdeau,
                    
                        Your https://january.com/b/fOS3VQtG193ExwCk is at risk of expiring!

As a reminder, Affirm, Inc. approved your request of $1,000.00 on April 14, 2026.

To maintain this negotiated payment, you need to create a payment plan or pay the reduced amount in full within 30 days of that notice. Otherwise, the reduced amount we are offering you will expire, and you will again be responsible for the full amount owed. You can set up payments on our https://january.com/borrower.

        https://january.com/b/fOS3VQtG193ExwCk

Do you have any questions we may be able to answer? Please reply to this email and we'd be happy to help.

                    
                        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.

            
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