Chez&Rick

You just said she was not able to answer stuff about the greencard, expiration, when to file again, forms needed to submit... It means she didn't pay attention to the lectures. The answers for those are in the lectures.
If your fiancee was able to answer those questions from the first time she was asked, after the lecture, one one one counselling won't be needed anymore.
The CFO people wanted your fiancee to know those things so that she'll have knowledge about the legal way of staying in the USA, and not to be out of status...
for the next counselling session, tell your fiancee to relax, and smile, and act confident.

hi, during my CFO seminar, i was asked about the stuff that they asked from your fiancee too. But before that, counselling happens. So she has to really pay attention. After the counselling, she must be able to answer those stuff. If not, it only shows she is not ready yet, or she didn't listen to the lectures.
Also,if they are giving her a hard time, it must be because the CFO people is not sure whether she will be fine when she get to USA or not. Sometimes also, age gap matters during the counselling. They will ask her many things about the petitioner. If the petitioner has been married before like 2 or more times, she will also be asked if she knew the reason of the divorce. If one of the reason of the divorce is domestic violence, she will also have to answer stuff and prove that the petitioner is in a good state of mind and won't hurt her.
Those questions are normal questions that are being asked in the seminar. If your fiancee paid attention during the lectures, she will be able to answer those questions coz those were all the lectures are all about.

I wanted to write about my experience at CFO for those spouse/fiancee who will get their Guidance and Counseling Certificate
I just went at the CFO today, and received my Guidance and Counseling Certificate. I am from Cavite so i woke up at 2 o'clock in the morning, left the house at 3am and arrived there at 4:15 am. I dont want to take any chances of not getting any slot as they only entertain 15 slots in the morning and 15 slots in the afternoon.
CFO is located at the Citigold Center, 1345 Pres. Quirino Avenue Corner Osmeña Highway (South Superhighway) Manila, Philippines
When I arrived there, a lot of people are already there waiting. But i noticed that the line in the left side which is for spousal/fiancee counseling are more longer than the others but they are spouse/fiancee of different countries. I brought a folding chair with me because i know am gonna wait for hours there. But i suggest that if you are planning to go there for GC Certificate, might as well bring a biscuit and a bottled water with you because its gonna be a long day.
You should bring with you the following:
1. Marriage Certificate and a photocopy
2. Two valid IDs, have it photocopied as well
3. 400 pesos
4. And supporting documents. Ex. photos of you and him, divorce papers (if applicable), and birth certificate of spouse.
These supporting documents might be requested by your counselor. Because its gonna be a hassle if you are from somewhere far, so be sure you have these with you.
This is only for spousal passport amendment requirement meaning you will need GC to use your spouse name on your passport.
but for fiancee here is the link http://www.cfo.gov.ph/index.php?option=com_content&view=article&id=1348%3Afiancee-spouses-and-other-partners-of-foreign-nationals&catid=140&Itemid=833
both spousal and fiancee requirements are here.
At 7 am, they opened the door and let us in. They took one of our IDs and will give you CFO pink ID that is for spousal and fiancee. We proceed to the third floor where forms will be handed out to fill in.
Now, in filling in forms, be accurate. You should know your husband's information well like his address (if in military, it should be his resident address and not his deployment address), zip code, his/her mother's maiden name, telephone number, cellphone number. They will not issue your GC without filling in all the needed information.
They will encode your name and take a picture of you for your GC certificate.
Afterwards, your filled-in form will be reviewed and this is where the counselor asks for supporting documents if there is something amiss or suspicious in your form. So always be ready with your documents. The counselor will give an okay mark on your form and H mark if your are ON HOLD. On hold mark will be given a one-on-one counseling if you have a sensitive issues regarding relationship with your spouse or fiance or if you have a pending documents to be seen by your counselorr. You will be paying 400 pesos at the cashier (window number 5). Then you'll be given a receipt and go back to third floor for the counseling.
When the counseling is done, you will go back to the first floor to window number 4, present your receipt and tell them you are done with the counseling. They will give your Guidance and Counseling Certificate. And you are done.
I actually got my GC certificate at 2 pm. I was sooo hungry and tired.
Now I believe that there is really no love without pain.

I wanted to write about my experience at CFO for those spouse/fiancee who will get their Guidance and Counseling Certificate
I just went at the CFO today, and received my Guidance and Counseling Certificate. I am from Cavite so i woke up at 2 o'clock in the morning, left the house at 3am and arrived there at 4:15 am. I dont want to take any chances of not getting any slot as they only entertain 15 slots in the morning and 15 slots in the afternoon.
CFO is located at the Citigold Center, 1345 Pres. Quirino Avenue Corner Osmeña Highway (South Superhighway) Manila, Philippines
When I arrived there, a lot of people are already there waiting. But i noticed that the line in the left side which is for spousal/fiancee counseling are more longer than the others but they are spouse/fiancee of different countries. I brought a folding chair with me because i know am gonna wait for hours there. But i suggest that if you are planning to go there for GC Certificate, might as well bring a biscuit and a bottled water with you because its gonna be a long day.
You should bring with you the following:
1. Marriage Certificate and a photocopy
2. Two valid IDs, have it photocopied as well
3. 400 pesos
4. And supporting documents. Ex. photos of you and him, divorce papers (if applicable), and birth certificate of spouse.
These supporting documents might be requested by your counselor. Because its gonna be a hassle if you are from somewhere far, so be sure you have these with you.
This is only for spousal passport amendment requirement meaning you will need GC to use your spouse name on your passport.
but for fiancee here is the link http://www.cfo.gov.ph/index.php?option=com_content&view=article&id=1348%3Afiancee-spouses-and-other-partners-of-foreign-nationals&catid=140&Itemid=833
both spousal and fiancee requirements are here.
At 7 am, they opened the door and let us in. They took one of our IDs and will give you CFO pink ID that is for spousal and fiancee. We proceed to the third floor where forms will be handed out to fill in.
Now, in filling in forms, be accurate. You should know your husband's information well like his address (if in military, it should be his resident address and not his deployment address), zip code, his/her mother's maiden name, telephone number, cellphone number. They will not issue your GC without filling in all the needed information.
They will encode your name and take a picture of you for your GC certificate.
Afterwards, your filled-in form will be reviewed and this is where the counselor asks for supporting documents if there is something amiss or suspicious in your form. So always be ready with your documents. The counselor will give an okay mark on your form and H mark if your are ON HOLD. On hold mark will be given a one-on-one counseling if you have a sensitive issues regarding relationship with your spouse or fiance or if you have a pending documents to be seen by your counselorr. You will be paying 400 pesos at the cashier (window number 5). Then you'll be given a receipt and go back to third floor for the counseling.
When the counseling is done, you will go back to the first floor to window number 4, present your receipt and tell them you are done with the counseling. They will give your Guidance and Counseling Certificate. And you are done.
I actually got my GC certificate at 2 pm. I was sooo hungry and tired.
Now I believe that there is really no love without pain.

Engage Marry or end relationship?
I vote for ending the relationship at the moment.
Give it about a 2 to 3 year break.
Then, if he wants you in the USA, he'll show you a portfolio that will support :
1. the prior years income amounts and
2. current year income and
3. a ton of assets
as this stuff is important for immigrating into the USA.
It smells to me, like he was successful once, and has dropped out of that realm to pursue some other interest. IMO, you need to let him finish his pursuit, get it out of his system. If it's indeed, true love, then taking a break whilst he's remaking himself is a grand thing, and it's actually quite empowering (to him) for you to 'allow' him the time to do this.
That's my 2 cents, aye? With it, and half a roll of toilet paper, we can clean the world, together.

You can totally file for the K1, and you should read the guide about doing so:
http://www.visajourney.com/content/k1guide
Sounds like your main concern is support - yes, he would ordinarily be supporting you and have to prove as such, but since he cannot, he will have to find someone to co-sponsor you - maybe a family member? See the information on "affidavit of support". You won't be able to be the person providing the support, unless you're a secret millionaire.
His status with the IRS probably isn't an issue and won't "get him in trouble". That sounds like a totally separate issue that you probably want to work out a way to deal with, so you don't have that stress in your marriage. So long as you can meet the criteria for K1, you can go with that.
Also, your title for your forum post "Engage Marry or end relationship?" is a little harsh. I don't think you really want us to tell you to break up with him just because he has no money. No one here could possibly decide that for you. You may do any of those things, and there are legal and achievable ways to engage and/or marry him.

thanks for your reply. I know that I am not the only person that has waited 6 months. I am me though. And I think I've waited too long as it is. If anyone else wants to contact their representative, then go ahead. If they feel fine waiting, then that's fine too. I did what I did, and I'm not sorry.

I'm not sure anyone could give you an idea of cost since you don't want to say the country. Each country has it's won economic system and rates would vary greatly depending on the country. I would also guess in some countries there may be issues of legality as to what you can actually do or not do.
If it were me, I'd either trust my partner, or move on. I know it sounds easier said than done, but without trust, you cannot ever be happy. Even if you hire someone and they tell you they find nothing, can you really trust they did the work?
Anyway, just my two cents. Sorry you are going through this, and whatever the outcome, I hope that in the end you do whatever is best for you and your continued happiness