The actress and reality-TV personality last attempted to make a payment in June 2015, according to TMZ and other outlets that have reviewed court documents. However, her $1,070 gesture toward the $37,981.97 balance bounced, TMZ said.
Amex is asking for payment of the balance plus interest, E! News reported.
The "Beverly Hills, 90210" star, who grew up rich as the child of producer Aaron Spelling, was notoriously left only $800,000 -- out of an estimated $500-million estate -- after her father died in 2006. Her financial issues have been highlighted on her show "True Tori" and in her book "Spelling It Like It Is."
"It's no mystery why I have money problems," Spelling wrote. "I grew up rich beyond anyone's wildest dreams. I never knew anything else. Even when I try to embrace a simpler lifestyle, I can't seem to let go of my expensive tastes. Even when my tastes aren't fancy, they're still costly. I moved houses to simplify my life, but lost almost a million dollars along the way."
Meanwhile, mom Candy Spelling told TMZ on Tuesday night that she's helping her daughter a lot, financially, but isn't paying any old debts.
"I've been helping her out," the elder Spelling said. "I'm paying all her bills now. I'm not paying extras like that. ... Just for the house and the kids' school and food."
In 2011, Candy Spelling offloaded the Holmby Hills mansion her kids grew up in to Petra Ecclestone for a reported $85 million.