arrears

American  

[uh-reerz] / əˈrɪərz /

plural noun

1. the state of being behind or late, especially in the fulfillment of a duty, promise, obligation, or the like.

   Many homeowners have fallen into arrears.

2. Sometimes arrear something overdue in payment; a debt that remains unpaid.

   Those countries that have paid their arrears may be granted additional loans.

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idioms

1. in arrears, behind or late, especially in payment: Also in arrear

   She was three months in arrears on her mortgage and credit card payments.

arrears British  

/ əˈrɪəz /

noun

1. Also called: arrearage.  (sometimes singular) something outstanding or owed

2. late in paying a debt or meeting an obligation

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arrears More Idioms  

1. see in arrears.

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Other Word Forms

• arrearage noun

Etymology

Origin of arrears

1300–50; noun use of arrear (adv., now obsolete), Middle English arere behind < Middle French ≪ Latin ad retrō. See ad-, retro-

Explanation

If you are in arrears, you are behind in the payment of a debt. Think: rears = behind. Arrears also refers to the unpaid, overdue debt itself. Your rent arrears are the money you owe on rent. Arrears is a term often used in a legal context — like, when you've had to hire a lawyer because you're being sued by your landlord, or being evicted because you're in arrears on your rent. Before it comes to eviction, though, you should try negotiating with your landlord first. They would probably be more interested in collecting arrears, even late, than in evicting you and starting with a new tenant from scratch.

Example Sentences

Social Security’s cost-of-living adjustments are made a year in arrears, so if your costs rose this year, your Social Security payments wouldn’t go up in response until 2027.

From MarketWatch • Apr. 8, 2026

He adds the rate of mortgage arrears is trending higher in Ontario, the most trade-exposed province in Canada.

From The Wall Street Journal • Mar. 18, 2026

Juve kept pushing and US international midfielder Weston McKennie reduced the arrears just before the hour mark.

From Barron's • Feb. 8, 2026

It said repairs were undertaken by an external contractor that did not work a four-day week and that rent arrears were "well below" the national average and affected by cost-of-living pressures.

From BBC • Jan. 26, 2026

The pews were decrepit, the bills were once so in arrears the electricity was nearly turned off, and the padre hadn’t installed air-conditioning, despite summer temperatures that reach 120 degrees.

From "Enrique's Journey" by Sonia Nazario

Related Words

• deficit
• liability
• obligation