in arrears

I am two or three letters in arrears.

我还有两三封信搁着未。

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

贷的偿被拖欠了三个月。

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

他们未按时还按揭贷，所房子被收回了。

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，说我拖欠了分期。