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Dealing with debt. Getty Images It should come as no surprise that if you’ve fallen behind on your bills, you may be hearing from debt collectors. If they do call, you will almost certainly hear that you need to pay them and that you need to do so immediately. But there are a number of things that they aren’t likely to tell you, and knowing these things can make all the difference in resolving your debts. 1. Some of their threats have no teeth. If you can’t pay the collector the amount he is demanding, or refuse to give your bank account or debit card number to make the payment, the debt collector may threaten to “put you down for ‘refusal to pay.’ ” But that’s “a meaningless phrase in the debt collection world,” says ZipDebt.com founder Charles Phelan, who coaches consumers trying to settle debts. He elaborates: ....