I am two or three letters in arrears.
我还有两搁着未复。
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For example, the mortgage lender may accept lower payments for a time, so technically you're in arrears, but they won't chase you up for that money during the time when you're in this sort of lower payments situation.
例如,抵押贷款机构可能会在一段时间内接受较低的付款,因此从技术上讲, 您拖欠了款项, 但是在您处于这种较低付款的情况下, 他们不会追逐您的这笔钱。