"Real Housewives of New Jersey's" Teresa Giudice and Joe Giudice were indicted Monday on fraud and tax charges.

In a 39-count indictment, U.S. Attorney Paul J. Fishman charged the pair with conspiracy to commit mail and wire fraud, bank fraud, making false statements on loan applications, and bankruptcy fraud, according to Us Weekly.

They may also face charges of having overdue library books.

"Today is a most difficult day for our family. I support Joe and, as a wonderful husband and father, I know he wants only the best for our lovely daughters and me," Teresa told Us Weekly in a statement. "I am committed to my family and intend to maintain our lives in the best way possible, which includes continuing my career. As a result, I am hopeful that we will resolve this matter with the government as quickly as possible."

She didn't exactly deny anything, did she?

Joe is also in trouble for allegedly not filing tax returns from 2004 through 2008, during which time he allegedly earned nearly $1 million. Also, says the New York Daily News, the couple is accused of exaggerating their income while applying for loans before their TV show debuted in 2009 -- then hiding how well they were doing in a bankruptcy filing after their first season aired.

"The indictment returned today alleges the Giudices lied to the bankruptcy court, to the IRS and to a number of banks," Fishman said in a statement. "Everyone has an obligation to tell the truth when dealing with the courts, paying their taxes and applying for loans or mortgages. That's reality."

Sometimes reality bites.

New Jersey natives Teresa, 41, and Joe, 43, are parents to daughters Gia (born 2001), Gabriella (born 2004), Milania (born 2005) and Audriana (born 2009). Teresa, the author of several cookbooks, began her run on "The Real Housewives of New Jersey" when the series premiered in 2009.

Conspiracy to commit mail and wire fraud carries a maximum prison sentence of 20 years, while bank fraud carries a maximum of 30 years. The remaining charges could result in more prison time -- not to mention the hefty fines associated with each penalty.

They'd better get those library books back ... and fast.

The couple is scheduled to appear Tuesday before Judge Cathy Waldor at the United States District Court in Newark. A rep for Bravo had no comment when contacted by Us.

Teresa's attorney, Henry Klingeman, told the website "Teresa will plead 'not guilty.' The judicial process that begins today with an indictment is a search for the truth. As it moves forward, we look forward to vindicating her."

Because he isn't in enough trouble, Joe, a former pizza parlor owner, also faces 10 years in jail for allegedly using his brother's ID to obtain a driver's license in 2010. His court appearance is set for Oct. 28.

"Joe maintains his innocence," said his attorney, Miles Feinstein. "It will be tough to choose a jury because of the high-profile defendant."

Contact Tony Hicks at Facebook.com/BayAreaNewsGroup.TonyHicks or Twitter.com/insertfoot.