Subject: Your Payment Negotiation Request is Expiring Soon!
From: January <[email-masked]>
To: [email-masked]
Date: Tue, 28 Apr 2026 19:03:02 +0000

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    Your request is expiring soon

    

                

                April 28, 2026
                Login PIN: W68EPY

        

                    Hi Timothy Bourdeau,
                    
                        Your negotiated payment offer is at risk of expiring!
Affirm, Inc. has agreed to let you resolve your account for $1,000.00, instead of the original amount owed of $1,260.60. 
To take advantage of this, https://january.com/b/fL2PQb61yy8HEKJk within 30 days of receiving this offer. If the offer expires, you'll be responsible for the original amount owed.
If you have any questions, you can reply to this email and a member of our Support team will 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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