FINAL NOTICE: COLLECTIONS PROCEEDINGS

RE: {{customer_name}} - Account #{{customer_account_number}}

⛔ CRITICAL: FINAL NOTICE BEFORE LEGAL ACTION ⛔

This is your FINAL NOTICE regarding invoice {{invoice_number}}, which is now {{days_overdue}} DAYS OVERDUE.

Despite multiple previous attempts to contact you, we have not received payment. Your account is now in serious default and will be referred to collections if not resolved immediately.

INVOICE DETAILS:
Invoice Number: {{invoice_number}}
Original Due Date: {{due_date}}
Original Amount: {{currency_symbol}}{{original_amount}}
Late Fees: {{currency_symbol}}{{late_fees}}
Collection Fees: {{currency_symbol}}{{collection_fees}}
───────────────────────────────────
TOTAL AMOUNT NOW DUE: {{currency_symbol}}{{total_amount}}
Days Overdue: {{days_overdue}} DAYS

⏰ PAYMENT MUST BE RECEIVED BY: {{final_deadline_date}}
({{deadline_days_remaining}} business days remaining)

PAY NOW: {{payment_link}}

⚖️ LEGAL NOTICE: ACTIONS TO BE TAKEN

If payment is not received by {{final_deadline_date}}, the following actions will be taken:

1. COLLECTIONS REFERRAL: Account referred to {{collections_agency_name}}. Additional fees will apply.

2. CREDIT REPORTING: Reported to major credit bureaus, negatively impacting your credit score.

3. LEGAL PROCEEDINGS: Legal action to recover full amount plus legal fees, court costs, and interest.

4. ASSET LIENS: Judgment may result in wage garnishment, bank levies, or property liens.

5. SERVICE TERMINATION: All services permanently terminated.

These are not idle threats. Legal action WILL be taken if not resolved immediately.

⚠️ LAST CHANCE TO AVOID COLLECTIONS

Collections Department:
Email: {{collections_email}}
Phone: {{collections_phone}}
Reference: {{invoice_number}} / {{customer_account_number}}
Hours: {{business_hours}}

DEBT VALIDATION NOTICE:
This is an attempt to collect a debt. Any information obtained will be used for that purpose. If you believe this debt is not valid, you have the right to dispute it in writing within 30 days.

{{footer_text}}

THIS IS A FINAL DEMAND FOR PAYMENT. FAILURE TO RESPOND WILL RESULT IN LEGAL ACTION.

{{company_legal_name}} | {{company_address}}
Tax ID: {{company_tax_id}} | Business License: {{business_license}}