January is a financial services company based in New York, specializing in debt collection and recovery. Founded in 2016, the company operates under the name January Technologies, Inc., previously known as Debtsy, Inc. January focuses on using AI to enhance debt recovery processes for creditors while improving outcomes for consumers. The company has serviced over $10 billion in debt and manages more accounts than all but the top 10 banks.January offers a tech-enabled platform that increases recovery rates for creditors. Its primary product is a post-charge-off collections platform that facilitates borrower communications through digital channels like SMS and email. This platform allows borrowers to access their account information, negotiate debt, and set up payment plans, all while ensuring compliance safeguards to protect lenders from legal risks. January collaborates with top lenders, credit unions, and debt buyers to maximize recoveries while maintaining strong customer relationships.