⛔ FINAL NOTICE BEFORE LEGAL ACTION ⛔

Dear {{customer_name}},

This is your FINAL NOTICE. Your account is seriously delinquent.

ACCOUNT IN DEFAULT
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Invoice Number: {{invoice_number}}
Original Amount: {{currency_symbol}}{{amount_due}}
Original Due Date: {{due_date}}
Days Overdue: {{days_overdue}} days
Late Fees: {{currency_symbol}}{{late_fees}}
Collection Fees: {{currency_symbol}}{{collection_fees}}
-------------------
TOTAL AMOUNT DUE: {{currency_symbol}}{{total_with_fees}}

🚨 PAYMENT REQUIRED WITHIN 72 HOURS 🚨

Failure to pay will result in:
- Immediate collection agency referral
- Negative credit reporting
- Legal action and court proceedings
- Additional legal fees
- Service termination

LEGAL NOTICE:
If payment is not received by {{final_deadline}}, this account will be:
1. Referred to {{collection_agency}}
2. Reported to credit bureaus
3. Subject to legal action

Total fees may exceed original amount.

DO NOT IGNORE THIS NOTICE.

PAY NOW: {{payment_link}}

If payment made, provide immediate proof.
If disputed, contact us in writing within 30 days (FDCPA).

LAST CHANCE TO AVOID LEGAL ACTION.

Collections Department
{{company_name}}
{{company_phone}} (URGENT)
{{company_email}}

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FINAL NOTICE - LEGAL ACTION PENDING
This is from a debt collector attempting to collect a debt.
