My wife has been receiving phone calls from creditors threatening debtor prison for fraud, can they jail her?

credit cards turned over to collecion agents. they call my wife at work threatening to press felony fraud charges for no repayment of debt. we don't know if they can really charge us with felonies or are they attempting to scare her. she is a wreck from the harrassing calls and embarred to receive them at work. we have one wage garnishment against us. i had an emergency operation last spring that has put us way behind on credit card bills . now we are facing the bill collectors and collection agencies. now what? can we really be charged as felons and go to debtors jail?