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You haven't made due payments for, say, one month, how do you say it? 'One month's debt'? 'Debt for one month'?

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You have missed one mortgage (or loan) payment, commonly expressed as being one month behind with your mortgage/loan/rent.

https://www.quora.com/Im-struggling-with-mortgage-payment-one-month-behind-and-may-not-be-able-to-pay-for-3-months-to-come-Is-there-anything-I-can-do-to-have-a-break-until-I-sort-my-finances-out

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I’m not sure, but the phrasing of your question makes it sound like you are asking about a debt (or portion of a debt) where you are behind in payments. This is called in arrears or an arrearage.

Arrears: the state of being behind in the discharge of obligations —usually used in plural

https://www.merriam-webster.com/dictionary/arrears

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