Kim Zolciak and Kroy Biermann's House in Pre-Foreclosure Again

Kim Zolciak and Kroy Biermann's efforts to dig outta their deep financial hole, amid their divorce, aren't going that well -- their Georgia home is teetering on foreclosure once again, TMZ has learned.

According to online records, their Alpharetta mansion is in pre-foreclosure again, with the pending sale date listed as November 7. It isn't technically in foreclosure yet, but it certainly appears to be heading in that direction -- indicating they've missed some mortgage payments.

As we reported, Kroy filed docs last month, asking for an emergency hearing to authorize selling their $3 million house, saying their financial woes were getting worse and the sale could cover their "significant debt."

Kroy claimed they were struggling to make their monthly mortgage payments, having to sell off his backpacks and other personal belongings to make enough cash to cover what was owed.

He says he asked Kim to sell her purses for contribution, but she refused.

Kroy claims Kim sold some bags, wigs, and other high-end items ... but added, "None of the funds garnered from the sale of these items have gone towards the mortgage, or any other bills."

Kroy claimed they weren't able to make their mortgage payment in July, presenting the prospect of foreclosure ... which is why he's pushing to unload the property.

Regarding Kroy's push to sell the house, his attorney, Maryls A. Bergstrom, tells TMZ ... "We are going to court on September 27th to request that the court order the home sold."

Don't forget, their family home faced foreclosure back in February, with the estate set to be auctioned off the following month ... but they were able to stop the sale and keep the spot through their payments.