In arrears and Laggard

In arrears adverb - In debt.

Laggard and in arrears are semantically related. in late topic. In some cases you can use "Laggard" instead an adverb phrase "In arrears".

Laggard adjective - Moving or proceeding at less than the normal, desirable, or required speed.

In arrears and laggard are semantically related. Sometimes you can use "In arrears" instead an adverb "Laggard".