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Real savings, zero surprises. Log in to see what's available — no commitment required.
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Your bank or original lender entrusted January to help you find a repayment path that works with your budget. Our job isn't to pressure you. It's to find a plan that actually works.
Repay your balance over time, at an amount that keeps some breathing room in your personal budget for emergencies and life expenses.
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Pay monthly, biweekly, or weekly to line up your payments with your paychecks or other bills.
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Our payment plans are flexible – you can reschedule your payments or skip your next scheduled payment if something comes up.
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Some creditors are open to negotiating your payments, allowing you to resolve your debt for less than you owe.
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No interest or fees
24/7 support available
Pay monthly, biweekly, or weekly to line up your payments with your paychecks or other other bills.
Pay monthly, biweekly, or weekly to line up your payments with your paychecks or other bills.
Our payment plans are flexible – you can reschedule your payments or skip your next scheduled payment if something comes up.
Some creditors are open to negotiating your payments, allowing you to resolve your debt for less than you owe.
No interest or fees
24/7 support available
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debts resolved using January.
This has been the absolute best time I have ever had trying to get a debt paid off. The fact that I can personally negotiate for a lesser amount closer to what I can afford and set up the payment plan myself made my day. I wish all my collections were through January. THIS is how debt collection SHOULD BE. Unbelievable. Thank you January!
I never thought I’d say this about a debt collection agency, but working with January has been a surprisingly positive experience. They’ve been flexible, respectful, and incredibly user-friendly throughout the entire process. Unlike traditional collectors, they aren’t pushy or harsh—they treat you like a person, not just a balance due. I truly appreciate their professionalism and compassion.
What a relief, I have been losing sleep over this debt. Within 10 minutes this Service lifted ten tons from my shoulders. My hats off to whoever created this . Thank you very much
This has been the absolute best time I have ever had trying to get a debt paid off. The fact that I can personally negotiate for a lesser amount closer to what I can afford and set up the payment plan myself made my day. I wish all my collections were through January. THIS is how debt collection SHOULD BE. Unbelievable. Thank you January!
I never thought I’d say this about a debt collection agency, but working with January has been a surprisingly positive experience. They’ve been flexible, respectful, and incredibly user-friendly throughout the entire process. Unlike traditional collectors, they aren’t pushy or harsh—they treat you like a person, not just a balance due. I truly appreciate their professionalism and compassion.
What a relief, I have been losing sleep over this debt. Within 10 minutes this Service lifted ten tons from my shoulders. My hats off to whoever created this . Thank you very much
January is a licensed, registered company that works with lenders and other financial institutions to help you resolve your debt. You can verify us on the BBB, our Google reviews, or by contacting your original lender directly.
Resolving your balance is generally a positive step for your credit. The specifics depend on your situation and how the original creditor decides to report your payments. January does not directly report to credit bureaus.
Yes. If something changes — a job loss, an unexpected expense, anything — you can adjust your plan directly in your account. You're not locked into something that stops working for you.
We definitely understand that you may not be able to pay the full balance right now – and you’re not alone. You may have options like negotiated your payments, or setting up a smaller weekly payment that fits your budget. Log in to see what's available for the balance you owe.
You can call us at (866) 300-1169 or email us at
contact@january.com to talk to our friendly Support team. You can also use the chatbot available in your account for 24/7 support.
View your balance and options — no payment required.
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Copyright © 2026. January. NMLS ID# 1644298
Copyright © 2026. January. NMLS ID# 1644298
