REAL Housewives of New Jersey stars Teresa Giudice and Luis Ruelas could have their Bravo paychecks seized by the government if they don't pay off their over $3 million tax debt, an expert has warned.
The U.S. Sun previously reported Teresa, 52, and Luis, 49, were hit with tax liens totalling $3,037,255.2.
Luis also requested an extension on a $1 million loan for their $3,350,000 mansion in Montville, New Jersey and borrowed an additional $250,000 from the lender.
Tax Controversy Attorney Adam Brewer, who has not worked with Teresa or Luis, exclusively revealed to The U.S. Sun the penalties the couple face if the lien goes unpaid.
"Mainly we worry about late payment penalties," he explained. "IRS is generally going to top out at 25 percent.
"She’s looking at paying past due taxes plus current taxes at the same time. It really can put a crutch on you."
He explained the IRS could garnish "wages" and "bank accounts" if the debt goes unpaid after a period of time.
"If you’re not in a payment plan, if you don’t have some sort of formal agreement to pay it, then they can seize assets," the attorney explained.
"The bank accounts and wages, that’s easy. They send out one letter to a bank or employer and seize the funds."
The U.S. Sun could not confirm if Teresa and Luis are on a payment plan for their tax debt.
"That’s definitely a risk if she’s not in a formal payment plan," he continued.
"Because if the lien is filed, they give you opportunity to resolve it. If she isn’t already in a repayment plan, that’s the first thing you can do to protect yourself."
He explained how Teresa and Luis' physical properties, such as their $3,350,000 mansion in Montville, New Jersey, are likely safe from the government.
Adam said, "Physical assets we don’t generally see. Especially if it’s a primary residence. You don’t see the states or IRS go after primary residences.
"It’s an inefficient process for them. They have to send out agents, to collect it they have to resell it. They’re not going to recoup a lot of money on it."
Beverly Hills attorney Adam Michael Sacks, who also has not worked with Teresa and Luis, previously explained to The U.S. Sun how Teresa and Luis could’ve found themselves in tax debt.
He said when working for a network or as a contractor, taxes often are not deducted when paychecks are issued.
“It’s very common to spend all the money and not put anything aside,” he explained.
“At the end of the year. You owe a lot of money, a third or more and they don’t have it.”
TAX TROUBLE
The U.S. Sun previously reported Teresa and Luis were hit with over $3 million in taxes.
New Jersey courts confirmed Teresa was issued a tax lien on March 20, 2025 for $303,889.20.
Luis’ tax liens were issued on December 12, 2024, in the amount of $163,523.94 and on March 6, 2025, for $2,569,842.06.
In total, the couple, who married in 2022, owe $3,037,255.2.
The U.S. Sun also reported Teresa has an active tax lien from her marriage to her first husband.
Teresa and Joe’s Federal Tax Lien for $551,563.30 for the 2000, 2001, 2003, 2004, 2005, 2006, 2007, 2008, and 2013 years in October 2015 is still active.
A rep for Teresa and Luis did not respond to The U.S. Sun's request for comment on their tax issues.
Teresa and her then-husband, Joe Giudice, in court for their fraud crimes
MANSION NIGHTMARE
Teresa's husband asked for an extension on a $1 million loan for their $3,350,000 New Jersey mansion, which they purchased in January 2021, according to our previous reports.
Luis, who is the sole owner of the LLC used to buy the house, took out a one million dollar loan on March 25, 2024.
A Mortgage Modification filed with New Jersey courts on March 24, 2025, revealed Luis requested a year extension to pay off the loan and requested an additional $250,000 from the lender.
Court papers obtained by The U.S. Sun read the $1 million loan given to Luis by a Florida limited liability company will mature, meaning final payment is due, on March 25, 2025.
“The Borrower has requested, and the Lender has agreed to extend the maturity date of the Initial Loan from March 25, 2025 to March 25, 2026,” the court papers read.
“The Lender is lending to Borrower an additional loan in the principal sum of $250,000.”
Luis also agreed to pay the Lender a loan fee of $5,000.
The couple initially did not take out a loan when they bought the seven-bedroom, 10-bathroom mansion.
NEW REALITY
The couple’s financial issues have been a storyline on RHONJ, as Teresa's co-star Margaret Josephs said on Season 14 that Luis "pissed her money away."
Teresa denied the claims on Tori Spelling's podcast, misSPELLING, as she fired back: "Margaret says my husband spends all my money. Like, b***h, you don't even know what you're talking about.
"She's not even in my house. She's putting out this false narrative out there. And it's like, she's trying to make me her storyline."
Teresa told Bravo's Andy Cohen on Watch What Happens Live that she would not be getting a prenup with Luis before their wedding.
Andy argued when he received pushback on the idea from Teresa and her oldest daughter, Gia, "Why wouldn't she sign a prenup?"
"You just put it in writing. Of course, they don't want to take anything from each other.”
Outside of the series, Teresa has a podcast called Turning the Tables, makes money from social media and has a lipstick line.
Luis is co-founder and executive vice president of business development for Digital Media Solutions, among other businesses.
SHOW ON PAUSE
RHONJ is currently on pause, as her co-star Dolores Catania gave insight to The U.S. Sun in December 2024 as to why the series is currently on hiatus.
“We have heard nothing from the bosses about our show. Nothing. Nothing from production nothing from NBC, we’re not even talking about it,” Dolores said.
“They’re probably just so mad at us by now, I’m not sure they know what to do.”
Dolores explained how the “fighting got out of hand,” resulting in the network leaving the show’s future up in the air.
She said, “A lot of things leaked, a lot of things [came out] on social media that shouldn’t have been, a lot of fighting outside [the show]. It just got too messy.”
Dolores also said she doesn’t believe the rumors that the network will fire the entire cast.
“I don't think they want to revamp the whole cast,” she said. “We’re an ensemble cast. Like us or hate us, like one person, love the next, hate the next, we worked good together on our best of days and on our worst of days.
“I would hate to see anybody not come back.”
In July, Andy sparked rumors of a complete cast reboot when he said on his SiriusXM radio show, “We are rebooting the show. We're going to reboot it. We're going to do something different.
"We're gonna see what we do. I don't know. Maybe just all fresh faces? Maybe. We'll see."
