拖欠

拖欠	tuō qiàn	in arrears / behind in payments / to default on one's debts
拖	tuō	variant of 拖
拖	tuō	to drag / to tow / to trail / to hang down / to mop (the floor) / to delay / to drag on
欠	qiàn	to owe / to lack / (literary) to be deficient in / (bound form) yawn / to raise slightly (a part of one's body)