in arrears

I am two or three letters in arrears.

还有两三封信搁着复。

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.

他们还揭贷款，所房子被回了。

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

一封无礼的短信，说拖欠了分期付款。