in arrears

I am two or three letters in arrears.

我有两三封信搁着未复。

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

他们未揭贷款，所以房子收回。

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

购车贷款的偿付拖三个月。

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

我收到一封无礼的短信，说我拖期付款。