Bankrupt Toni Braxton -- Accused of Fraudulently Giving $53,000 to Husband

Toni Braxton fraudulently transferred $53,490 to her estranged husband in order to avoid paying back creditors in her bankruptcy case -- so says the trustee of Toni's bankruptcy estate.

According to new docs filed in Toni's ongoing bankruptcy case, Toni's estranged husband Keri Lewis received the 5-figure sum after Toni's money was already earmarked to repay creditors.

Now, the bankruptcy trustee is suing Lewis to get the money back -- much like John Mayer was sued for $465,000 following a giant Ponzi scheme collapse in Seattle.

TMZ broke the story ... Toni filed for bankruptcy in 2010, claiming she owed between $10 million and $50 million in debts.

A rep for Braxton tells TMZ, "All of the payments made to Lewis prior to Toni’s bankruptcy filing were appropriate transfers for reasonable and necessary personal and business expenses in the ordinary course of her business."