What is another word for are in arrears?
Pronunciation: [ɑːɹ ɪn ɐɹˈi͡əz] (IPA) 
The phrase "are in arrears" can be replaced with a variety of synonyms depending on the context. Common alternatives include "behind in payments," "overdue," "in debt," "owing money," and "delinquent." Other possible synonyms might be "in default," "in arrearage," "in hock," "in the red," or "in the hole." The choice of synonym may depend on the degree of urgency, seriousness, or emotion involved. For example, "in default" suggests a breach of contract, while "in hock" implies a desperate financial situation. Regardless of the wording, being in arrears can have serious consequences, ranging from late fees and penalties to legal action and damage to credit scores.
