January is setting a new standard for humanized debt collection. We are a digital debt collection agency whose data-driven, digital approach improves performance while decreasing risk. We lead with compassion and meet borrowers where they are, improving borrower experience and engagement, all while helping them get back on track. Our platforms are built with automated compliance guards and real-time monitoring, reducing risk for the leading banks, fintechs, credit unions, and debt buyers who work with us. By establishing a platform built on trust and transparency, creditors and borrowers both look to January for a better collection and recovery experience.