Kim Zolciak and Kroy Biermann could be out on their ass soon -- their lender is letting them know loud and clear that they plan to foreclose on their house ... unless they make some moves in court.
According to new legal docs, obtained by TMZ, Truist Bank's attorneys sent a clear and decisive message to Kim and Kroy -- as well as to the court -- and they say they're finally ready to take back ownership of their Milton, GA mansion.
Kim & Kroy's Cove Atlanta Fine Homes Sotheby's International
Per the paperwork, Truist is giving notice that it plans to initiate a non-judicial foreclosure proceeding on or after May 3 .