I can tell you that those banks, government agencies, and hospitals know how to backdate letters, postmark them like clockwork, and land in my mailbox on a Friday at close of business on a 3-day weekend, just to jam us up and narrow any deadline that may exist.
Even a hand-delivered notice from the landlady shows up at 6:01pm when the office is already closed. I guarantee that you will be helpless to respond in a timely fashion.
It has been suggested that "bankers hours" and 9-5 office hours were originated specifically to jam up the working man, who needed to be in the mines or on the factory floor during those hours. If a bank actually wanted to serve working people, they would be open on weekends. Traditionally it was not something your wife or kids could proxy, if they did not drive or have authorization, but the single working man was doubly screwed in these situations.
This year I also have the experience of very premature "billing notices" sent to my email and text and every other place, where the bureaucrats are counting on impatience to pay a bill far too early, before it is due, luring you in with ambiguous wording. People today are warning "do not comply in advance" and I am observing this maxim with health care billing in particular.