Did you receive an email about an overdue balance?
We leverage AI to maximize recoveries for creditors, improve outcomes for consumers, and ensure ironclad compliance every step of the way.
January leverages AI to maximize recoveries for creditors, improve outcomes for consumers, and ensure ironclad compliance every step of the way.
We’ve serviced $10B+ in debt, handling more accounts than all but the top 10 banks.
Top lenders, credit unions, and debt buyers rely on us to maximize recoveries—while protecting customer relationships.
We have a 4.7-star rating on Google and a 90%+ CSAT score.
Our AI-driven platform creates a hyper-personalized experience for each consumer, ensuring we engage thoughtfully while optimizing account value for our clients. Today, we’re outperforming traditional and digital collection agencies by 30%.
By guiding consumers toward manageable repayment solutions, we help them regain financial stability and move forward with confidence.
January’s AI platform personalizes interactions and optimizes decisions across the credit lifecycle, giving creditors the data they need to better understand consumers and maximize recoveries.
With the right insights, collections become smarter, more compliant, and more human—helping millions of consumers regain financial stability.
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Identify untapped opportunities with real-time insights into consumer behavior, optimizing placement strategies for better outcomes.
Reach the right consumer at the right time with data-driven engagement strategies that improve response rates and resolution success.
Get real-time, data-backed valuations to confidently assess portfolio worth and optimize your sale strategy.
Recover 30% more — effortlessly. Our AI-driven collections maximize recoveries, minimize disputes, and keep you fully compliant. More dollars. Fewer disputes. No wasted effort.
1,000+ evolving laws. No compliance surprises. We codify every federal, state, and local rule — so you stay ahead of regulations, not buried in them. Collect with confidence, not caution.
Industry-leading CSAT. Consumer rate us 50% higher because we make repayment easier and more transparent. More trust. More repayments. Fewer complaints.
Empathy and a human-first approach have always been at the heart of our business. With hyper-personalized consumer-facing interactions, real-time automated safeguards, and dynamic pricing, we’ve proven that exceptional performance and consumer satisfaction aren’t trade-offs. They go hand in hand.
Top financial institutions trust us to turn collections into a competitive advantage. Our AI-driven approach recovers more, costs less, and strengthens customer relationships — without the headaches of traditional strategies. Let’s talk about how we can help. Schedule a demo today.
