We all saw it coming -- Octomom has filed for bankruptcy ... TMZ has learned.
Nadya Suleman filed for Chapter 7 today in federal court -- a month after going on welfare -- meaning she's hopelessly buried in a mountain of debt.
Chapter 7 is the most serious form of bankruptcy -- it's basically when you go belly up -- something Octo is well-familiar with.
The legal docs we obtained do not specify her creditors or how much she owes -- but it's pretty clear ... she's dead broke.
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