How to Calculate Billing Transfer Tax with interest and penalties?

Hello, We are on FSCM 9.2 Image 26 (soon to upgrade to 37). We know we can create the Invoice for this unit but the calculation is complicated with interest and penalties. Is anyone else doing this type of calculation? How did you achieve it? A summary is below.

1. Property transfer is recorded at the County (and they fail to pay city transfer tax)
2. A few weeks later, the City issues an invoice for the tax due
3. 45 days after Step 1: penalty of 10% of tax due
4. 45 days after Step 1: interest starts to accrue at a rate of ½ of 1% a month of tax due
5. 90 days after Step 2: another penalty of 10% of tax due