Lindsay Lohan -- IRS Seizes Bank Accounts

As if she weren't royally screwed enough ... Lindsay Lohan's tax problems have become so extreme ... the IRS has seized ALL of her bank accounts in order to repay her massive outstanding debt.

As we reported, Uncle Sam has filed tax liens against Lindsay for the years 2009 and 2010 -- claiming she owes $233,904 in unpaid federal taxes.

Charlie Sheen generously paid Lindsay $100,000 to help alleviate Lindsay's 2009 tax problem -- but we're told Charlie's check barely scratched the surface ... because Lindsay also owes money for 2011.

The IRS has given Lindsay ample time to pay up -- but the Man's tired of waiting ... so we're told the IRS has seized ALL her bank accounts in order to settle her debt.

Sources close to Lindsay tell TMZ, she's in full-on panic mode about her financial situation, and is desperately trying to make some cash to get out of the red.