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Recovery improves when consumers are treated like people, not segments. January's AI does that at scale.
in debt worked across 20M+ consumers
higher liquidation rates compared to historically leading agencies
lower complaint rate than the industry average
THE PROBLEM WITH TODAY'S APPROACH
The data is fragmented. Agencies don't know if a debt is still active. They don't know a consumer moved states. They can't tell who's willing to pay and who's drowning.
Everyone gets treated the same. 10,000 consumers, one script. Same timing. Same channels. Same result. Personalization required humans, and that don't scale to everyone in collections.
Consumers feel it. Creditors carry it. 27% report harassment or threats, compliance violations compound, and recovery underperforms. The industry built it this way because the economics never let it work any other way.
OUR SOLUTION
Every person gets a unique strategy: timing, channel, tone, offer. January's AI learns from every interaction, so every account in the portfolio benefits from every account before it.
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THE OUTCOME
higher net recoveries than historically leading agencies
of resolutions no human agent needed
average lift in right party contact rate
the data moat
Every placement generates data that improves recovery, compliance, and consumer experience at the same time.
Traditional agencies store that an account was collected. January stores the reasoning behind every decision: what policy applied, what data informed it, what the consumer's situation was, how they responded. Over 1 billion decisions have trained the models since launch.
Every decision feeds the models. Better models produce better recommendations. Better recommendations recover more. More recovery attracts more volume. More volume generates more reasoning to learn from. Over 40% of new placements involve consumers we've already worked, and that grows every quarter.
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January's AI reads what consumers say, learns what drives them, and responds in the moment across voice, SMS, and chat.
PARSE
Parse reads every call, chat, and SMS for behavioral signals. Not just what people do, but what they say. Those signals feed back into the models, closing the gap between what creditors know about a consumer and what actually drives their behavior.
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VOICE AI
January's Voice AI handles authentication, payments, settlements, and FAQ end to end. 95% of all interactions resolve without a live agent. Consumers follow through because the conversation adapts to them.
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Borrowers resolve balances on their own terms, choosing from flexible payment plans, lump-sum settlements, or hardship options, all under your brand. Consumers rate us 50% higher than their original lender.
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Recovery — the hardest stage, the most to prove. We started here because if January worked here, it would work anywhere.
Helping people before they default. Creditors set guardrails: tone, terms, escalation. January operates within them. The result: charge-off rates come down, and the brand stays protected.
The infrastructure underneath every credit decision. In order to lend, you need to collect. The better January recovers, the more bets creditors can take on consumers they'd otherwise turn away. Every stage we add expands the credit to people who need it.
The consumer in collections today is the one who gets approved tomorrow.
January sees both sides of that transition.
What we learn from how someone recovers makes us better at catching them before the next default. Every stage we add makes the data underneath the others better.
Trusted by OCC-regulated banks, top fintech companies, card issuers, and debt buyers.
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Annual third-party penetration testing.
Every PII access creates an immutable audit trail. The prospect's compliance team can verify who accessed what and when.
Nothing trusted by default. Ephemeral computing environments that terminate after each task — no persistent attack surfaces.
Data is isolated per client, not co-mingled across portfolios.
We maintain collection agency licenses and bonds in locations we operate.
January handles the integration, data migration, and compliance setup. Your team stays focused on what matters.
Integrate with your servicing platform and recovery management system in days.
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Set compliance rules, communication preferences, and strategy parameters.
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January begins engaging consumers immediately with full compliance monitoring.
See how January can transform your recovery operation.
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Copyright © 2026. January. NMLS ID# 1644298
Copyright © 2026. January. NMLS ID# 1644298
