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Lenders bring us in to help you resolve a balance.

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.

Pick a plan that fits your life

Pick your amount
Set your own schedule
Skip or pause payments
Negotiate

Pick your amount

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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Set your own schedule

Pay monthly, biweekly, or weekly to line up your payments with your paychecks or other bills.

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Skip or pause payments

Our payment plans are flexible – you can reschedule your payments or skip your next scheduled payment if something comes up.

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Negotiate

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

  • No interest or fees