in arrears

I am two or three letters in arrears.

我还有两封信搁着未复。

They were in arrears with their mortgage, so their home was repossessed.

他们未按时还按揭，所以房子收回。

The payments on that car loan are in arrears by three months.

购车偿付拖欠月。

I received a curt letter telling me I was in arrears on my mortgage payments.

我收到一封无礼短信，说我拖欠分期付。