Pre-debt-collector final notice with prompt-pay discount

A B2B invoice is 45+ days overdue. Before I refer it to a debt collector (and lose 20–30% in fees), I want one last commercially-sensible offer: settle in 7 days at a small discount, or it goes to collections.

Practice: {{practice_name}}
Client: {{client_name}}
Invoice ref + original amount: {{invoice_ref}} — {{original_amount}}
Original due date + days overdue: {{due_date}} ({{days_overdue}} days)
Prior chases (dates + summary): {{prior_chases}}
Discount I'm willing to offer for settlement in 7 days: {{settle_discount}}
Settlement amount after discount: {{settlement_amount}}
Settlement deadline: {{settlement_deadline}}
Debt collector / next step if not paid: {{next_step}}
Any current work in progress to pause: {{wip_to_pause}}

Write a 220–260 word email.
- Subject: "{{invoice_ref}} — final settlement offer before referral"
- Open in 1 line: state plainly this is the final pre-referral notice. No softening.
- One paragraph: the timeline. Original invoice, due date, prior chases. Factual, no emotion.
- "Settlement offer" callout block:
  • Settle by {{settlement_deadline}} → ${{settlement_amount}} (saves you ${{settle_discount}}).
  • After that → full amount referred to {{next_step}} + work paused.
- One line: "This isn't adversarial — I'd rather we close this than I hand it off."
- One line: "Reply with a payment date or a written plan — both work."
- Close: contact details for fast resolution.
- Sign-off as {{your_name}}, with role.

AU English. Calm, commercial, not threatening. No "as a matter of urgency". No exclamation marks.