Finding values base on months..

This is an example of my database. We keep track of how customers pay for products that are on a monthly basis. Customers are required to pay every month.
I need to find which State, Customer(s) have not paid for a certain month. This report will need to run every month, so I will enter parameter values, but I need to know how I can display the state, customers(s) that have not paid for a certain month?

Table: Customers
CustomerID, State, City, FirstName, LastName, Email

Table: Orders
OrderID, ConfirmationID, CustomerID, Month, Day, Year

Table: Payments
PaymentID, PaymentType, Visa, MasterCard, Paypal, Discover

Example data:

PaymentID        PaymentDate       Visa        MasteCard       Paypal      Discover

001                         01/01/2013           y              n                       n                  n
002                         02/05/2013           n               n                      y                 n

Table: CustomerPayment_Cross
ID, CustomerID, PaymentID