in arrears

I am two or three letters in arrears.

我有两三封信搁着未复。

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

购车贷款的偿付被拖欠三个月。

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

他们未时贷款，所房子被。

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

我到一封无礼的短信，说我拖欠分期付款。