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Kroy Biermann Says He and Kim Zolciak Need to Sell Home Due to Dire Finances

Kim Zolciak's estranged husband Kroy Biermann has filed new docs in their ongoing divorce saga ... and now he's asking the judge for permission to sell their Georgia home, ASAP.

According to the docs, obtained by TMZ, Kroy's asking for an emergency hearing to authorize selling the $3 million family pad, citing their serious financial troubles.

The sale of the house -- where he says they've lived for their entire marriage -- could help cover what Kroy describes as "significant debt" they've built up over the years.