You may benefit from MARA's Member Resources Page, Section 5, Collection Timeline, a concise sequence of steps for managing delinquent claims. I agree that the 20-day Collection Notice, named the "written notice to cure" in ยง3104, can be mailed when the money owed is 60 days past due.
I suggest rewording the above "waiting period" as follows:
"... and then, after 20 days with no response, wait another 10 days before recording the Notice of Claim to permit the claimee 30 days to settle the written notice to cure."