January is a company that humanizes debt collection, providing a tech-enabled platform that not only improves recovery rates but also ensures a more compassionate approach towards borrowers. The company's intelligent compliance system automatically adheres to all federal, state, and local regulations, reducing risk and protecting creditors' reputations. With a proven track record of recovering more than the national average for creditors and allowing borrowers to resolve debts on their own terms, January is setting a new standard in the debt collection industry.