Teri Polo Bankruptcy -- Goodbye Steak Dinners ... Hello Pizza!!

"Meet the Fockers" star Teri Polo is hundreds of thousands of dollars in debt, but a girl's gotta eat ... so she's cut out fancy dinners and regressed to college -- ordering pizza. Lots o' PIZZA.

Polo -- who filed Chapter 11 bankruptcy in April -- had to keep a list of all her purchases for May ... and based on court documents ... she's making frugal, if not unhealthy, choices.

In the docs, obtained by TMZ, Polo ordered pizza 5 times in May -- home delivered two days in a row. She also bought lunches at McDonald's, Subway and Ikea ... and treated herself to Pinkberry and Starbucks.