Allen Iverson's Wife -- I Want a Restraining Order ... NOW

Allen Iverson's estranged wife is frightened of her husband -- claiming the NBA legend has been harassing her and her family ... and now, she wants a restraining order.

Tawanna Iverson just filed legal docs in the couple's bitter divorce battle -- claiming Allen "has engaged in increasingly contemptuous, threatening, and disturbing behavior" over the last few months ... and she's afraid things will get worse.

Tawanna is asking for a judge to issue a protective order stat. It's unclear whether she wants Iverson to stay away physically, or just stop harassing her.

Tawanna also claims Allen is hiding big money from her -- and she wants a judge to stop him.