aireadylife-business-task-flag-overdue-invoicelisted

## What It Does Reads invoice records from `~/Documents/aireadylife/vault/business/00_current/` and identifies any invoice where the payment due date has passed by more than 30 days and the status is still pending or overdue. For each overdue invoice found, calculates the exact number of days overdue (due date to today) and determines the recommended escalation action based on three severity tiers: - **31-45 days overdue:** Send a polite but clear written payment reminder. Reference the original invoice number, amount, and due date. Include the late fee language if it was on the original invoice (1.5%/month is standard). Tone: professional, assuming oversight rather than bad faith. - **46-60 days overdue:** Escalate to a direct phone call in addition to a written demand. The written demand should explicitly state the late fee that has accrued and the total amount now owed. If the original contract included a collections clause, reference it. - **61+ days overdue:** Decision required — this moves beyond a payment delay into a collections situation. Options: formal collections letter from a collections attorney (typically 30-40% fee on recovered amount), small claims court for amounts under the state's small claims limit (typically $5,000-$10,000), or write-off for bad debt deduction (report on Schedule C as bad debt if accrual accounting, or simply do not count it as income if cash accounting). Writes a structured flag to `~/Documents/aireadylife/vault/business/open-loops.m