Terrell Owens -- No Money, Mo Problems ... $244K Tax Lien

Another day, another HUGE financial problem for Terrell Owens ... this time, the former NFL superstar has been hit with a MASSIVE tax bill for allegedly failing to pony up nearly $250k in 2012.

According to official docs, obtained by TMZ Sports, the federal government claims Owens is in the hole to the tune of $244,391.52 for unpaid income tax from 2012.

Of course, that was the year Owens signed a deal for a tryout with the Seattle Seahawks ... but was cut after only raking in $4,300. It's unclear where Owens made the rest of his money that year.

It's not the first time T.O.'s been accused of stiffing Uncle Sam -- he racked up a $430k debt from 2005 to 2009, but paid that lien off just last year.