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.
3. in arrears, behind or late, especially in payment: She was three months in arrears on her mortgage and credit card payments.
Also, Chiefly Law, in arrear.
See more synonyms on Thesaurus.com
Origin: 1300-50; noun use of arrear (adv., now obsolete), Middle English arere behind < Middle French ≪ Latin ad retrō. See ad-, retro-
Now YOU come up with a sentence (or fic? or graphic?) that best illustrates the word.