Overdue Invoice Reminder Agent

Collections teams send reminders to customers who already paid or are in a dispute, which annoys good customers and wastes time. Each morning this agent reviews invoices that are past due. It checks recent payments and remittances so it never reminds a customer who already paid. It removes invoices with open disputes, credit memos in progress or active payment plans. For the rest it picks the reminder stage by days overdue and the customer's history, finds the right billing contact, and drafts the message with the invoice copy attached. It then checks whether earlier reminders bounced or went unanswered and finds another contact if needed. The specialist approves the batch before anything is sent. Edge case: a customer paid the total of three invoices in one payment, so the agent matches it to all three before drafting.