RHONJ’s Teresa Giudice Reportedly Preparing to Divorce Fiancé Luis Ruelas After Being Left to Shoulder Over $3 Million in Tax Debt Alone

In a twist worthy of reality TV itself, “Real Housewives of New Jersey” star Teresa Giudice is reportedly preparing to file for divorce from her fiancé, Luis "Louie" Ruelas, after discovering she may be left to shoulder an overwhelming $3 million in tax debt — all on her own.

Sources close to the couple claim that the glamorous reality star has been blindsided by the financial burden that has come to light in recent months. Despite presenting a united front on social media and at public events, the cracks in their relationship have allegedly widened behind closed doors — largely due to financial disagreements and what insiders are calling “a total lack of accountability” on Ruelas' part.

“She feels completely betrayed,” one source told Page Six. “Luis promised to handle things, but when the IRS came knocking, it was Teresa who had to face the music. Alone.”

This shocking revelation comes less than two years after the pair’s lavish wedding, which aired as a Bravo special filled with extravagant décor, celebrity guests, and emotional vows. The event was hailed as Teresa’s “second chance at love” following her painful divorce from Joe Giudice — a relationship that also ended in scandal and prison time over tax evasion.

Now, history appears to be repeating itself — only this time, Teresa is determined not to go down without a fight.

Mounting Debt and Mounting Tension

Court documents and tax filings reportedly show that Teresa is facing an eye-watering tax bill totaling over $3 million — a mix of back taxes, penalties, and legal fees. While it's unclear how much of the debt was accumulated during her time with Ruelas, sources allege that much of the financial mismanagement stemmed from his business dealings.

Teresa, who has been building back her career and finances since her 11-month prison sentence in 2015, is said to be furious at having to relive the nightmare of financial ruin.

“She’s worked hard to get her life back on track,” said another insider. “To be dragged into this kind of mess again — it’s her worst fear come true.”

Fans of the show have already noticed a change in Teresa’s demeanor in recent episodes. While she continues to project strength and glamor, her usual fiery energy seems more subdued, leading many to speculate about the stress she’s been under.

Luis Ruelas: From Savior to Scapegoat?

Luis Ruelas, once heralded as Teresa’s “rock” and a breath of fresh air after her tumultuous first marriage, is now facing criticism from both fans and family members. Questions have long swirled around his finances and business ventures, including allegations of fraud and failed investments.

Despite these red flags, Teresa remained publicly supportive — until now.

Sources claim that Ruelas’ promises to “take care of it” turned out to be empty, leaving Teresa scrambling to protect her assets and reputation. It is rumored that she has already consulted with high-profile divorce attorneys and financial advisors to prepare for what could become another high-stakes legal battle.

What’s Next for Teresa Giudice?

While no official divorce papers have been filed — yet — all signs point to a major shakeup in Teresa’s personal life. If she does proceed with the divorce, it would mark the second time she has had to rebuild her life in the public eye.

However, fans shouldn't count her out just yet. Teresa is known for her resilience and ability to bounce back stronger than ever. With four daughters, multiple business ventures, and a loyal fanbase, she has plenty of reasons to fight — not just for her financial survival, but for her future.

“Teresa won’t let anyone — not even someone she loves — jeopardize what she’s worked so hard for,” said a source.

As Bravo cameras continue to roll for the next season of RHONJ, viewers can expect this real-life drama to unfold in front of millions. And if Teresa’s past is any indication, she’s not going down quietly.