in arrears

I am two or three letters in arrears.

还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了三个月。

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

他们未按时还按揭贷款，所房子被收回了。

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

收到一封无礼的短信，说拖欠了分期付款。