She drives a luxury Mercedes and always dresses to kill — but Jill Kelley is actually drowning in debt.

Caught In her Own Trap?

The woman at the root of the four-star scandal that led to the downfall of David Petraeus and threatens the career of Gen. John Allen lives an extravagant lifestyle that conceals mountains of money owed to banks and credit card companies, court documents show.

Court records reveal that in March of that year, Bank of America claimed the Kelleys hadn’t paid their mortgage since September 2009.

The bank said the couple owed $328,338 on their home valued at $1,837,571.

The house remains in the foreclosure process, with the most recent motion filed on Oct. 12.

Kelley, who is an unpaid social liaison to the men and women in uniform coming and going from MacDill Air Force Base mere miles away from her home, never showed signs of stress.

“ She turns heads,” an anonymous friend of the Kelleys told the Daily Mail.

“At the parties she would flirt with all the senior military guys. She’s touchy-feely. Her hands would be on their arms. She was attentive. It’s not hard to see why she had some guys under her spell.”

Yet the party was at risk of coming to an end for at least two years.