non-payment 
noun [mass noun]
Failure to pay an amount of money that is owed: homes repossessed for non-payment of mortgages...
- It makes great sense for the provider as they are covered in the event of non-payment.
- A couple of years ago an acquaintance of mine ended up in court for non-payment of Council Tax.
- At present, non-payment of a fine leads to courts serving warrants on defaulters.