${p('creditorName', 'Your Name / Company Name')}
${p('creditorAddress', 'Your Street Address')}
${p('creditorCityStateZip', 'Your City, State, ZIP')}

${new Date().toLocaleDateString('en-US', { year: 'numeric', month: 'long', day: 'numeric' })}

${p('debtorName', "Debtor's Full Name")}
${p('debtorAddress', "Debtor's Street Address")}
${p('debtorCityStateZip', "Debtor's City, State, ZIP")}

RE: Notice of Overdue Payment

Dear ${p('debtorName', "Debtor's Full Name")},

This letter serves as a formal notice regarding your outstanding debt in the amount of ${formattedAmount}. This amount was due on ${p('dueDate', 'Original Due Date')} for ${p('originalService', 'Original Service/Product')}.

Our records indicate that this payment is now overdue. We have made previous attempts to contact you regarding this matter without resolution.

We request that you make the full payment of ${formattedAmount} within ${p('daysToPay', 'XX')} days from the date of this letter to resolve this matter. Payment can be made via [Your Payment Methods Here, e.g., check, online portal].

If you fail to make the payment within the specified period, we may be forced to pursue further legal action to collect the debt, which may include but is not limited to, referring your account to a third-party collection agency or taking legal action in court. Such actions may result in additional costs and negatively impact your credit rating.

If you believe this notice has been sent in error or if you would like to discuss a payment plan, please contact us immediately at [Your Phone Number] or [Your Email Address].

Sincerely,

${p('creditorName', 'Your Name / Company Name')}

`; } /** * Updates the live preview pane. */ function updatePreview() { letterPreview.innerHTML = generateLetterHTML(); } /** * Generates and downloads a PDF of the letter. */ function downloadPDF() { const requiredFields = ['creditorName', 'debtorName', 'amountOwed', 'dueDate', 'daysToPay']; const isMissing = requiredFields.some(id => !document.getElementById(id).value); if (isMissing) { showModal('Please fill in all required fields before downloading the PDF.'); return; } const { jsPDF } = window.jspdf; if (typeof jsPDF === 'undefined' || typeof html2canvas === 'undefined') { showModal('Error: PDF generation library failed to load.'); return; } const doc = new jsPDF({ unit: 'pt', format: 'a4' }); const source = letterPreview; const margin = 40; doc.html(source, { x: margin, y: margin, width: 595 - (margin * 2), // A4 width in points minus margins windowWidth: source.scrollWidth, callback: function(doc) { doc.save('Debt-Collection-Letter.pdf'); } }); } // --- Event Listeners --- formInputs.forEach(input => input.addEventListener('input', updatePreview)); downloadPdfBtn.addEventListener('click', downloadPDF); // --- Initial Load --- document.getElementById('dueDate').value = new Date().toISOString().split('T')[0]; updatePreview(); });