in arrears

I am two or three letters in arrears.

我还有两三封信搁着未复。

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

购车偿付被拖欠三个月。

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

他们未按时还按揭，所房子被收回。

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

我收到一封无礼短信，说我拖欠付。