Me knows, but I wont. Some bulgarian innkeeper will not understands any detts. But insists on me paying my deBts with special emphasis on "B".

I wouldn’t even try to use that word. I find that I can only speak as well as I write when I talk to near native speakers… I’d just say I want to pay or something

Which in exchange makes you easier to understand in most of the world. I have this with "rare" - such a problematic word for a slavic person and even if you nail it, non-native speakers may not get you. So it's better to actually say it with your mother tongue accent.

"Rare" can often be substituted by "seldom", but that doesn't work very well in restaurants. I like my steak medium-well anyway.

"I would like my stake medium seldom, please."

I have a hard time with the word "ineligible" - easy to read and write, but I just cannot say it without stumbling. No particular part of the word is hard either, it just... comes out wrong. I think it may be unusual way you turn it into syllables: in-el-i-gi-ble.

My grandfather, who grew up in Santa Rosa, California, could not say "monogamous".