Find your balance. Get flexible payment options.
Over the years, we’ve helped hundreds of thousands of consumers just like you.
We never charge fees or interest and our service is always free.
We use bank-level encryption to keep your information secure.
We’re trusted by hundreds of banks and other providers to help their customers.
We've earned the trust of more than one million consumers through our dignity-first approach.
“Your company and staff have been fabulous to work with! Thank you for offering me respect and dignity with my debt.”
"If all collection companies were like this one, I feel that a lot of people would actually pay their debt instead of waiting 7 years for it to come off."
“January actually realizes that there are no ‘one size fits all’ solutions. Empowering people to step by step get to their goals.”
Take control of your finances with flexible, stress-free repayment options designed to work for you.
