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Brett Favre Massage Accuser -- The $18,000 Debt

One of the masseuses suing Brett Favre for sexual harassment is no stranger to a good stiffing -- TMZ has learned she's on the hook for allegedly flaking on an $18,000 credit card bill ... TMZ has learned.

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According to documents filed in Nassau County Supreme Court in NY -- Christina Scavo was sued by American Express for not paying her $18,701.93 credit card bill back in 2009. Court records show AMEX got a lien against Scavo to collect the money ... and as of this morning, the lien is still active.

We spoke to Christina's attorney -- who tells us he wasn't aware of the debt but explained, "That's typically what happens when people lose their jobs and can't pay their bills."

As we previously reported -- Scavo and another woman both claimed the NY Jets blacklisted them after Christina's husband confronted Favre over texts in which the QB allegedly tried to initiate a post massage sexual encounter.

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