I played arrears in yesterday's 7-by-many and was quite surprised to see that it was classed as 'uncommon'.
Going by our normal rule of thumb, I would have been fairly sure that arrears or the phrase 'in arrears' would be familiar to most educated native speakers everywhere.
According to the COD, arrears is a plural noun, which generally means that it has no singular.
It does, however, also mention the phrase 'in arrear' but points out that this is 'chiefly law' ie lawyers' jargon.
arrear was also classed as 'uncommon'