Fantasia Barrino apparently doesn't care she's going to find herself homeless because she's up to her eyeballs in debt.

North Carolina sheriff's deputies tell the New York Post they've been trying "at least a dozen times" to reach Fantasia about $65K she owes on a loan, without success. What's more, no one's even showed up to represent her in court about the big bill, and her mom and reps haven't offered any explanation.

Her million-plus-dollar Charlotte home is going on the auction block Monday.