Η ανεξόφλητη οφειλή είναι πλέον ληξιπρόθεσμη.

It breaks down like this:

• Η ανεξόφλητη οφειλή = the unpaid debt
  
  • Η = the (feminine singular)
  • ανεξόφλητη = unpaid
  • οφειλή = debt / amount owed
• είναι = is
• πλέον = now / by now / at this point
• ληξιπρόθεσμη = overdue / past due

So the structure is:

[Subject noun phrase] + [copula] + [adverb] + [predicate adjective]

In smoother English: The unpaid debt is now overdue.

Because οφειλή is a feminine singular noun, and Greek articles and adjectives must agree with the noun they go with.

So:

• η = feminine singular the
• ανεξόφλητη = feminine singular form of unpaid
• οφειλή = feminine singular noun

This is a very important feature of Greek: adjectives change form to match the noun’s gender, number, and case.

Because it refers back to η οφειλή.

Even though ληξιπρόθεσμη comes after είναι, it still describes the same noun, so it must agree with οφειλή:

• οφειλή = feminine singular
• ληξιπρόθεσμη = feminine singular

This is called a predicate adjective: an adjective linked to the subject by είναι.

Because the two adjectives are doing different jobs.

• ανεξόφλητη οφειλή = an attributive adjective
  It sits inside the noun phrase and directly modifies the noun: unpaid debt
• είναι ληξιπρόθεσμη = a predicate adjective
  It comes after είναι and tells you something about the subject: is overdue

So Greek is using:

• one adjective inside the noun phrase
• one adjective after the verb as part of the statement

It is in the nominative singular.

Why? Because οφειλή is the subject of the sentence, and subjects are normally in the nominative case.

So:

• η οφειλή = nominative singular, the debt
• if it were in another role, such as an object, it could appear in a different case form

They are related, but not identical.

• ανεξόφλητη = unpaid
• ληξιπρόθεσμη = overdue / past due

Something can be unpaid without yet being overdue.
Once the payment deadline passes, the unpaid amount becomes ληξιπρόθεσμη.

So the sentence is quite precise:

• the debt is still unpaid
• and now it has reached the point of being overdue

Here πλέον means something like:

• now
• by now
• at this point

So είναι πλέον ληξιπρόθεσμη means is now overdue or has by now become overdue.

A useful note: πλέον can also appear in contexts where English would use no longer, especially with negation or implication. But in this sentence, the meaning is simply now / by now.

Because ληξιπρόθεσμη is a predicate adjective, not part of a noun phrase.

Compare:

• η ληξιπρόθεσμη οφειλή = the overdue debt
  Here the adjective is inside the noun phrase, so you see the article before the whole phrase.
• η οφειλή είναι ληξιπρόθεσμη = the debt is overdue
  Here the adjective comes after είναι, so no separate article is used.

This is normal in Greek.

Yes, it sounds formal and fits well in:

• banking
• legal documents
• tax notices
• billing or debt collection language

Words like οφειλή and especially ληξιπρόθεσμη are common in official or administrative Greek.

In everyday speech, people might use simpler wording depending on context, but this sentence is perfectly standard and natural in formal Greek.

Yes, Greek word order is fairly flexible, but not all versions sound equally natural or carry exactly the same emphasis.

The given sentence is very natural:

• Η ανεξόφλητη οφειλή είναι πλέον ληξιπρόθεσμη.

You could also hear:

• Η οφειλή είναι πλέον ληξιπρόθεσμη.
  This drops ανεξόφλητη because overdue already strongly suggests it has not been paid.

Moving πλέον is also possible in some contexts, but the original order is clear and standard.

It comes from the adjective ανεξόφλητος, -η, -ο, meaning unpaid / unsettled.

The feminine form is ανεξόφλητη, used here because it describes οφειλή, which is feminine.

You do not need to analyze every part of the word to use it, but it is useful to recognize the pattern:

• dictionary form: ανεξόφλητος
• masculine: ανεξόφλητος
• feminine: ανεξόφλητη
• neuter: ανεξόφλητο

It is the feminine form of ληξιπρόθεσμος, -η, -ο, meaning overdue / past due.

This is a fairly formal adjective, especially common with:

• οφειλή = debt
• δόση = installment
• χρέος = debt
• οφειλές = dues / debts

Again, the feminine form appears here because οφειλή is feminine:

• masculine: ληξιπρόθεσμος
• feminine: ληξιπρόθεσμη
• neuter: ληξιπρόθεσμο

A rough pronunciation guide is:

ee a-nek-SO-flee-tee o-fee-LEE EE-ne pleh-on leek-see-PRO-thez-mee

With the stress on:

• ανεξόφλητη
• οφειλή
• είναι
• πλέον
• ληξιπρόθεσμη

A more natural connected reading is:

i anexófliti ofilí íne pléon liksipróthesmi

Yes. Οφειλή can mean:

• debt
• amount owed
• obligation (in some formal contexts)

In this sentence, because of ανεξόφλητη and ληξιπρόθεσμη, the meaning is clearly financial: an unpaid debt / amount due.

So although οφειλή can be broader in some contexts, here debt or amount owed is the best understanding.