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You know what they say: when it rains, it pours.

And for Tori Spelling, it’s been a veritable monsoon season for years now.

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She and her husband, Dean McDermott, went through the hardest of times after he cheated on her with a woman named Emily Goodhand.

They had several screaming matches and emotional breakdowns over the affair, and we got to see it all on the worst reality show of all time, True Tori.

And relationship issues aside, Tori has struggled with her finances for a very long time.

Last year, Tori was so broke that she was begging her friends for money so that she could pay the bills for her children’s private schools and some storage units — you know, the necessities.

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Then in January, Tori’s mother, Candy Spelling, revealed that she’d begun paying the bills for Tori and her family. Just for things like their house and their food, not for any “extras.”

Those “extras” that Candy was referring to apparently include nearly $260,000 that Tori and Dean owe in back taxes, and also their outstanding credit card debt.

About that credit card debt: just last month, Tori was ordered to pay nearly $38,000 to American Express to cover her overdue balance.

And now, American Express is suing Tori AGAIN.

See what we mean about the rain?

This time around, Tori’s being sued for $87,594.55, the amount that Tori owed when she canceled the card in April.

It seems like Tori must have had multiple AmEx cards, but right now, there’s no word on whether or not this lawsuit is connected with the other one.

Oh, and these feels like a good time to bring up the fact that, while Tori’s in all this debt, she’s also trying to raise four young children, and she’s also got a fifth baby on the way.

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Tori has said that this pregnancy was “a total surprise,” but you’d think that a woman with hundreds of thousands of dollars of debt would be a little more careful about this kind of thing — kids are hella expensive, don’t know if you heard.

But Tori and Dean are bad at everything else, it just makes sense that they’d be bad at family planning, too.

What a mess.