Quintin Robles and Rowena Villanueva during their Cuban Christmas vacation. The couple have declared bankruptcy.

TORONTO — A North York couple who investors say bilked them of more than $1 million with a phony chiropractic clinic have declared bankruptcy.

Police are investigating.

Rowena Villanueva, 46, and her husband Quintin Robles, 56, list liabilities of $639,896 and assets of only $5,275 in documents filed with a bankruptcy trustee.

The list of creditors includes some, but not all, investors.

Some say they lost their entire life savings to the Physiotherapy and Rehabilitation Group, which existed only on paper.

The bankruptcy comes as a police investigation is “in the early stages,” said Toronto police detective Sgt. Cameron Field.

“If there is anyone else affected by this, they should contact us at the financial crimes unit,” Field said.

An earlier Toronto Star investigation revealed how the smooth-talking Villanueva lured investors, most of them Filipino caregivers and personal support workers, by offering pie-in-the-sky interest rates of 7 to 10 percent a month.

Villanueva claimed to be part-owner of a chain of clinics and to be associated with a doctor.

She does not own any clinics, and the Star could not find the doctor.

The Villanueva-Robles scheme ran from 2006 until 2010, when the couple dropped out of sight.

The Star recently found Villanueva and Robles living in a weathered, rented townhouse at York Mills Rd. and the Don Valley Parkway.

Answering the door in her white cotton pajamas, Villanueva was in no mood to talk when a Star reporter showed up.

“I will soon, don’t worry,” Villanueva replied.

“I need to get my rights first so I can have my documentation as well.”

In an earlier interview, Robles, who works at Bombardier Aerospace in Downsview, denied knowledge of his wife’s business.

He said Villanueva had put his name on documents and used his bank accounts without his knowledge.

Among those who put up money is widow Marcela Bautista, 71, who says she turned over her life savings of $70,000.

Abby Pascual put in $90,000 from her mother’s life insurance policy, as well as benefits she received after suffering a serious car accident.

“I gave Rowena $90,000 and I have all the documents to prove it,” Pascual, 28, said Wednesday.

Pascual’s claim is reported as just $50,000 on documents the couple filed with the bankruptcy trustee.

The largest creditor, chiropractor Jang Han Oh, is owed $321,000.

Lawyer Donald Fiske says the bankruptcy filing ends the garnishment of wages order he obtained against Robles to recover some of the $87,000 owed to a client.