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Tori Spelling learned a hard lesson in personal finance in court today.

As we reported earlier this year, Spelling was sued by American Express for falling way behind on her payments back in January.

Today, a Los Angeles County judge finally issued a ruling on the matter and it looks the already-struggling Spelling is about to become even more destitute.

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According to TMZ, Spelling will forced to fork over the full amount of the overdue balance – $37,981.97 – along with $855 in court costs.

Add that up with whatever she spent on legal representation, and Tori’s on the hook for quite a few doubloons.

Financially, 2015 has been quite the rough year for Spelling and husband Dean McDermott.

The couple was forced to downgrade to a significantly smaller home in Encino, CA after spending the past several years in a posh Malibu mansion.

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To make matters worse, they were forced to suffer the indignity of going broke in the public eye, as reports of Spelling’s tiny paychecks for demeaning gigs were reported by various media outlets.

The low point was likely a gig as the spokesperson for a psychic hotline that Tori took to make ends meet.

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But before you start feeling too sorry for Spelling and McDermott, it’s important to note that the couple blew massive amounts of cash in the early years of their marriage, and it looks as though they’re still not living within their means.

Tori is still getting plastic surgery (and documenting the experience on Instagram, no less).

She’s been spotted hitting Hollywood’s most posh boutiques in recent months.

She even renewed her wedding vows with McDermott and hosted a swank reception afterward.

So yeah, Tori and Dean are Hollywood broke, not coupon-clipping, mayonnaise sandwiches for dinner broke.

It’s almost like growing up as the daughter of one of the wealthiest and most successful producers in the history of television didn’t prepare Tori for managing her own finances.

She really shouldn’t have burned that bridge with her mom. 

Clearly, Tori is the kind of person who can’t afford to not be rich.