DENISE ON HOOK FOR HUBBY'S MONEY MESS!

DRAMA magnet Denise Richards' dough may be in jeopardy as her wellness guru husband is being sued by a creditor and grappling with a fraud lawsuit that charges he refused a promised refund to a woman with terminal cancer, sources spill.

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According to legal documents, Creditors Adjustment Bureau Inc. claims Aaron Phypers, 52, and his company Quantum Epigenetics Consulting LLC, owe $228,000 related to a loan, and insists the Real Housewives of Beverly Hills alum, 53, is on the hook for her hubby's debt! The collection biz is now eyeing the "wage earnings and other assets in the name, possession, custody and control" of the former Bravo babe, whose response to the filing is pending.