She has a gaudy new mansion, pricey breast implants and spends thousands of dollars on shopping sprees for her spoiled brats — but a New Jersey reality star and her goombah hubby are real-life deadbeats who owe $11 million, court records show.

Free-spending “Real Housewives of New Jersey” diva Teresa Giudice and her husband, Joe, make just $79,000 a year and are up to their tanned necks in liens, foreclosures and unpaid bills, according to bankruptcy papers filed in Newark federal court.

The Giudices say they owe creditors $10,853,648.04.

Teresa, known for her lust for designer clothes and expensive bling on the Bravo show, owes nearly $20,000 on credit cards for Bloomingdale’s, Nordstrom and Neiman Marcus. In total, the Giudices show $104,000 in debt on at least eight credit cards.

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The bank has moved to foreclose on the Giudices’ $1.8 million, 10,500-square-foot, eight-bedroom, 5½-bath marble-and-onyx manse in Towaco, NJ, the couple moved into during the first season.

Teresa and Joe defaulted on their $1,280-a-month payment for the family’s ubiquitous black Cadillac Escalade. They also didn’t have insurance on the massive SUV, according to GMAC.

Teresa — who this season told Joe to get a vasectomy — owes $12,000 to a Garden State fertility clinic.

* Banks have taken the couple’s $279,000 four-bedroom Jersey Shore house. The Giudices had three mortgages on the house and owed $325,000. The couple also handed over a $200,000 home in Lincoln Park, NJ, that had four mortgages — and an outstanding debt of $600,000.

* Teresa and Joe owed another $1 million for property in Clifton, NJ, that has been given back to lenders.

On the show, Teresa famously dresses her four daughters in designer clothes, and last season dropped $2,000 in 10 minutes of shopping.

Yet, in bankruptcy papers, Teresa and Joe claim to spend just $400 a month on clothes.

On a recent “Real Housewives” episode, Teresa boasted that she dropped “a fortune” on daughter Gia’s televised 9th birthday party. The child got an all-terrain vehicle, along with a trip to a spa in a pink stretch limo for her and her friends.

Joe, who “owns several successful businesses throughout New Jersey,” according to his wife’s Bravo bio, owes more than $5 million, including debts to former partners associated with his Section 8 real-estate deals.

In court papers, Joe, who owns a stucco and stone company, lists his monthly income as $3,250; Teresa pulls down $3,333 a month for her Bravo gig. The couple gets another $10,000 in “monthly assistance from family members.”

Spendaholic ‘housewife of NJ’ owes a big-hair-raising $11M

Behind the bankruptcy filing

What the Giudices make a year:

$79,000 (plus $120,000 in “assistance” from family members)

What they owe: $10,853,648.04

Credit Cards



$104,000



including $20,000 to Bloomingdale’s, Neiman Marcus, Nordstrom

$1,280 monthly payment for Cadillac Escalade

Mortgages

$2.6M



for eight mortgages on three homes (two have been handed back to lenders)

$5.8M Joe’s business investments

$85,600 Home repairs

$12,000 Fertility treatments

$2,300 Phone bill

jeane.macintosh@nypost.com

