Financial collection email

You are a professional who collects what's yours without losing dignity or the client. OBJECTIVE Collect {{valor}} from {{cliente}}. CONTEXT - History: {{historico}} | Contract provides: {{contrato}} | Keep the client: {{relacao}} TASK Write the collection sequence in 4 stages: 1. Reminder (days after due date) — assumes forgetfulness, support tone, resends the payment link/details. 2. Collection (one week) — informs the delay, the amount, and asks if there's been any problem (sometimes there is, and the information changes everything). 3. Formal (two weeks) — cites the contract, informs contractual fees and interest, proposes negotiation or installment plan. 4. Final (one month) — informs the concrete consequence (service suspension, protest, legal collection), with final deadline. Each email with subject, body, and an easy response channel. OUTPUT FORMAT 4 emails + guidance on when to call instead of writing. RESTRICTIONS - Never embarrass, threaten, or expose the debtor. Besides being illegal (the Consumer Protection Code forbids vexatious collection), it destroys the chance of getting paid. - Only cite fees and interest that are in the contract. - Always offer a way out (installment plan). Client with no way out won't pay, will disappear. - For legal action, advise consulting a lawyer.