Steve, 53, says he has sent more than $100,000 to "Kelly," a woman he met on a dating website. He believes he and "Kelly" are legally married in Nigeria, where she claims she is living. But Steve's sister and niece think Steve is being scammed. Dr. Phil digs deep in search of answers — who is "Kelly"?

Soon-to-Be Millionaire?

Steve says he's on the verge of becoming a multi-millionaire from several pending inheritance deals with overseas clients. He has yet to see a dime but insists, "You have to spend money to make money." As a consultant, Steve says he pays any and all expenses for his clients — from living costs to transaction fees. So far, it has cost him about $135,000.

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Steve says over the past 29 months, he has sent about $103,000 to one client, "Kelly," with whom he has a very personal connection. Steve met "Kelly" on a dating website in 2012. He says she is an American woman stuck living in Nigeria while trying to secure a $25 million fortune left to her by her parents. Steve and "Kelly" communicate mostly online or through her "James," her "attorney." Despite only speaking on the phone a few times, Steve says he and "Kelly" are a "match made in heaven" — which is why he even sent her money for a marriage certificate.

But Steve's sister, Tammy, and niece, Kidist, say Steve has been scammed in the past, and they think it's happening again. They want him to cut ties with "Kelly" — and his other so-called clients. "My brother is delusional," Tammy says. "'Kelly' could be a Nigerian man behind a computer."

"This has been going on for 29 months, and that's one of the reasons you know this is for real. Because what scam goes on 29 months?"

Before he could come speak with Dr. Phil, Steve insisted he had to pay some clients. Dr. Phil cameras merely followed.

Who is "Kelly?" Dr. Phil looks into some of the claims she has made to Steve.

Tune in to see what happened when Dr. Phil sent a contact in Nigeria to the address where "Kelly" is supposedly staying. Plus, is Steve ready to pull the plug on his deals?

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