Docs just filed in L.A. Superior Court show Guy was granted a divorce from Terrence Mitchell Duckett -- but the papers also reveal she had to file for Chapter 13 bankruptcy because of the couple's tremendous debt.
The amount Guy personally owes in back taxes and penalties: $123,503.64 ... plus interest.
Her ex isn't free and clear either. His share of the debt: $94,354.71 ... and he's on the hook for interest too.
Plus side: Guy just landed a role on "Vampire Diaries" ... and that first paycheck couldn't come fast enough.