If a person has not paid three of his electricity bills in a row, can he ask like:
(1) What are my outstanding dues?
If a borrower has not paid four of the scheduled payment installments, can he ask the lender (a bank): what are my dues? or, what are my arrears?
In the US, "dues" is not used in this way.
We would ask
- "What is my balance?"
- "How much do I owe?"
- "How much am I behind?"
- "How much is due?"
"Arrears" is used, but in technical, written contexts (such as service agreements and contracts), but not in ordinary speech.
In the US, "dues" almost always means a regular fee paid to belong to a group (such as a club, a fraternity, or a labor union.)