Subject: Pending negotiated payments
From: January <[email-masked]>
To: [email-masked]
Date: Fri, 24 Apr 2026 16:03:03 +0000

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    You can now schedule a payment towards your reduced balance

    

                

                April 24, 2026
                Login PIN: W68EPY

        

                    Hi Timothy Bourdeau,
                    
                        We sent you a notice on April 14, 2026 to inform you that your request for negotiated payments was accepted!
Because we have not heard from you, we wanted to remind you that you can easily set up payments on our https://january.com/b/G3YDArTjSv03C3jS. See below for the details of the offer:
Last Four of the Account Number: JJPF
Original Balance: $1,260.60
Amount Reduced: $260.60

New Amount Due $1,000.00
Note, this discounted offer will expire if you do not create a payment plan or pay the balance in full within 30 days of the above confirmation date.
Do not hesitate to reach out with any other questions related to your account by replying to this email.

                    
                        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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