Hi Susan,
Here at Wollongong we use Pathway. We have reminder letter template in the system that staff run once a month it populates the amount of the invoice, it has our payment options listed below and we also do follow up phone calls if there is no action from the reminder letter. If the debt remains unpaid we then either cancel the service and remove bin and/or take legal action to recover the amount if needed.
I am sure that Civica would have a similar process where it could produce letter templates.