Kroy Biermann is again begging a judge not to let his estranged wife Kim Zolciak slow down his attempt to sell their mansion -- insisting they need to sell the place ASAP ... so they can get separate pads to shield their kids from the trauma of their toxic relationship.

The former NFL star filed new court docs this week, obtained by TMZ, which push back on what he claims is Kim's recent attempt to delay a ruling over the matter of whether to quickly try to sell their massive Georgia home.

Like before, Kroy's reiterating the urgent need to unload this property -- citing their mounting debts and money woes ... but this time, KB says it a bit more plainly. He writes in his paperwork, "The parties to this action are financially destitute, largely related to [Kim]'s reckless spending habits and love for online gambling." Oof ...

Yes, that's Kroy pointing the finger right at Kim and attributing their problems to her. What's more -- he says the IRS actually has a lien on the home over unpaid taxes in the amount of $1.1 million. Kroy also cites a number of lawsuits from creditors who want their dough.

In the docs, Kroy says he and Kim really don't have much else left to their name ... and that the house is the last true asset of value that they can cash in on -- but, according to him, Kim's trying to delay the process and making it difficult to turn the page amid their divorce. And, he says their constant fighting is hurting their kids, saying the "toxicity enveloping the marital home is extremely detrimental to the mental and emotional well-being of the children."

Time's running out, as Kroy says foreclosure is looming -- and he wants to try and collect whatever equity they have left in the place to pay down the damage and get separate places. Kroy's basically on his hands and knees here asking for the court to say yes.