Lindsay Lohan might want to send some money home from Greece -- her mother, Dina Lohan, is filing for bankruptcy ... TMZ has learned.
Dina filed docs in federal bankruptcy court declaring she has $1,578,049.00 in debt that she simply can't pay. The lion's share of that debt is $1.55 million to PennyMac Loan Services.
According to the docs, she also owes $4,651 in California state tax and $9k in NY state tax.
Dina's Long Island home is in foreclosure, and was scheduled to go up for auction Tuesday -- but the bankruptcy filing immediately stops the foreclosure ... giving her a chance to save the house.