FINAL NOTICE — OVERDUE INVOICE
==============================

Disclaimer — not legal advice. This template is provided free of charge, as is and with no warranty of any kind, and using it creates no attorney-client relationship. It is jurisdiction-neutral: you are responsible for adapting it, for your own legal and tax compliance, and for having a qualified professional in your jurisdiction review it before you rely on it. Full terms: https://trycolo.co/terms-of-use

[YOUR BUSINESS NAME]
[YOUR ADDRESS]
[YOUR EMAIL] | [YOUR PHONE]
[BUSINESS REGISTRATION / TAX NUMBER, IF APPLICABLE]

Date: [DATE]

To:
[CLIENT LEGAL ENTITY NAME]
[CLIENT REGISTERED ADDRESS]
Attention: [CLIENT CONTACT NAME], [TITLE]
cc: [ACCOUNTS PAYABLE EMAIL]

Our reference: [REFERENCE — e.g. FN-[INVOICE NUMBER]]

Sent by: email to [EMAIL ADDRESSES] and [TRACKED POST / COURIER] to the address above

------------------------------------------------------------

Re: Final notice of overdue payment — [CURRENCY] [TOTAL AMOUNT DUE]

Dear [CLIENT CONTACT NAME],

We provided [DESCRIPTION OF SERVICES] to [CLIENT LEGAL ENTITY NAME] under our agreement dated [CONTRACT DATE]. The following invoices remain unpaid after their due dates:

Statement of account
--------------------

Invoice                | Issued | Due    | Days overdue | Amount
---------------------- | ------ | ------ | ------------ | ---------------------
[INVOICE NUMBER]       | [DATE] | [DATE] | [NUMBER]     | [CURRENCY] [AMOUNT]
[INVOICE NUMBER]       | [DATE] | [DATE] | [NUMBER]     | [CURRENCY] [AMOUNT]
                       |        |        | Subtotal     | [CURRENCY] [SUBTOTAL]
Less payments received |        |        |              | ([CURRENCY] [AMOUNT])

Additional charges (delete this section if none apply)
------------------------------------------------------

Charge                      | Basis                                                                                             | Amount
--------------------------- | ------------------------------------------------------------------------------------------------- | -------------------
Interest on overdue balance | Clause [CLAUSE NUMBER] of our agreement: [RATE AS STATED IN YOUR CONTRACT], from [DATE] to [DATE] | [CURRENCY] [AMOUNT]
Late payment fee            | Clause [CLAUSE NUMBER] of our agreement                                                           | [CURRENCY] [AMOUNT]
Other recoverable costs     | [BASIS — CONTRACT CLAUSE OR APPLICABLE LAW, CONFIRMED BEFORE SENDING]                             | [CURRENCY] [AMOUNT]

Total now due: [CURRENCY] [TOTAL AMOUNT DUE]

Reminder history
----------------

Date   | Method | Summary
------ | ------ | ---------------------------------------------
[DATE] | Email  | Pre-due-date reminder
[DATE] | Email  | Due-date reminder
[DATE] | Email  | 7-day overdue reminder
[DATE] | Phone  | Spoke with [NAME]; payment promised by [DATE]
[DATE] | Email  | 14-day notice referencing payment terms
[DATE] | Email  | 30-day notice with deadline of [DATE]

To date we have not received payment [or: we received [CURRENCY] [AMOUNT] on [DATE], leaving the balance above].

Final deadline
--------------

Please pay the total now due in full by [DEADLINE DATE — 7 TO 14 DAYS FROM THE DATE OF THIS LETTER].

If you cannot pay in full by that date, contact us in writing before the deadline with a proposed payment plan. We will consider any reasonable proposal, but a plan is only agreed once confirmed by us in writing.

If you believe any amount is not owed, tell us in writing before the deadline, stating which invoice and why. Any undisputed amount remains payable by the deadline.

Next steps if payment is not received
-------------------------------------

If we do not receive payment, an agreed payment plan, or a written explanation by [DEADLINE DATE], we intend to [CHOOSE ONE OR MORE — DELETE THE OTHERS]:

- refer the debt to a collection agency, whose costs may be added where our agreement or applicable law permits;
- file a claim in [SMALL CLAIMS / DEBT RECOVERY / THE APPROPRIATE COURT] in [JURISDICTION];
- instruct a lawyer to act on our behalf.

[IF APPLICABLE:] Work on [PROJECT NAME] remains paused under clause [CLAUSE NUMBER] of our agreement, and licenses or rights to the deliverables that depend on full payment under clause [CLAUSE NUMBER] have not passed to you.

We would prefer to resolve this directly and without further cost to either party.

How to pay
----------

Method                 | Details
---------------------- | -----------------------------------------------------------------------------------
Online (card / PayPal) | [PAYMENT LINK]
Bank transfer          | [ACCOUNT NAME], [BANK NAME], [ACCOUNT NUMBER / IBAN], [SORT CODE / SWIFT / ROUTING]
Payment reference      | [REFERENCE]

Please email remittance confirmation to [YOUR EMAIL].

Yours sincerely,

____________________________
[YOUR NAME]
[YOUR TITLE]
[YOUR BUSINESS NAME]

Enclosures: copies of invoices [INVOICE NUMBERS]; copy of agreement dated [CONTRACT DATE] [OPTIONAL]

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How to use this template

1. Confirm the balance, legal entity, and registered address before writing.
2. Include additional charges only where your contract or verified local rules support them; otherwise delete that section.
3. Choose one realistic next step and delete the others.
4. Send by email and tracked post, and keep proof of delivery.
5. If the amount is significant, ask a lawyer or debt-recovery adviser in your jurisdiction to review the letter before sending.

Template provided by Colo (trycolo.co). Not legal advice — review with a qualified professional in your jurisdiction.