Delinquency means that you are behind on payments.

Merriam-Webster Online Dictionary
delinquency (noun)
1.
a) a act - delinquent
b) conduct that is out of accord with accepted behavior or the law , especially - juvenile delinquency
2.
a debt on which payment is overdue
Merriam-Webster Online Thesaurus
delinquency (noun)
1.
the nonperformance of an assigned or expected action
SYNONYMS:
default, delinquency, dereliction, misprision, neglect, negligence, nonfeasance, oversight
RELATED WORDS:
carelessness, heedlessness, inadvertence, inadvertency, laxity
NEAR ANTONYMS:
compliance, discharge, fulfillment ( fulfilment)
delinquency (noun)
2.
the quality or state of being late
SYNONYMS:
belatedness, delinquency, tardiness
RELATED WORDS:
dilatoriness, sluggishness
NEAR ANTONYMS:
promptitude, promptness, punctuality
earliness, prematureness, prematurity
delinquency
Synonyms:
Non-payment of debt
Categories: Debt
Tags: Credit, Debt, Loans