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In the Spanish language there is a word that is used to describe a person that has been tagged as a deadbeat; it is Largo. Largo in Spanish means Long as in the measurement of the distance between two points or places, etc.
If you loan any money to this person, it will be a long time before you get paid back, if you get paid back at all, or if you receive any kind of payment. They can also be known as a Largo if they are sly, tricky, or conniving with bad intentions.
In British English 'largo' isn't a word that is used, and while 'deadbeat' can mean that, it is usually more general:
deadbeat
a person who is not willing to work, does not behave in a responsible way, and does not fit into ordinary society
Come off it, deadbeat, you're never going to get anywhere.
For a person who doesn't pay for anything, I suggest
sponger
a person who gets money, food, etc. from other people, especially in order to live without working
or
freeloader
a person who uses money, food, a room in a house, etc. given by other people, but who gives nothing to them in exchange
From Cambridge Dictionary.
A popular word is welcher.
someone who swindles you by not repaying a debt or wager.
It's definitely an insult, and implies deceit.
Another related term is mooch or moocher, describing someone who constantly takes without giving in return. It's not usually used in the context of a formal bill or invoice, but generally describes a lack of reciprocity and taking advantage of others' generosity. A mooch will seek to get something while avoiding paying for it. A good example might be a roommate who does not contribute to the cable bill but watches lots of TV, or a friend who never offers their share of the bill at a restaurant. It usually describes someone who avoids an informal obligation to pay by letting someone else foot the bill.
It seems you are after a word that has a similar dual meaning. You may consider delinquent.
As an adjective, it is associated with unlawful or immoral behavior. Among them, though, is being late with payments.
1 : offending by neglect or violation of duty or of law
2 : being overdue in payment
3 : of, relating to, or characteristic of people who regularly perform illegal or immoral acts
Merriam-Webster
As a noun, you will often it see it refer to juvenile delinquents. But it also has a broader definition:
3. a delinquent person; esp., a juvenile delinquent
Collins
So it can refer to a person that is late in payments, or to a person that regularly gets into trouble with other people or the law.
You could call such a person a cheat, defined by TfD as:
a person who cheats; swindler; deceiver; imposter.
