Porsha Williams -- Divorce Hits Home ... Real Housewives Money May Be Seized

Porsha Williams may have a new story line on "Real Housewives of Atlanta" -- holding a cup outside Walmart, begging for money so she can pay her homeowner's bills.

Porsha lived in a high-rise condo complex in Atlanta ... and she's fallen behind on her homeowner's dues -- to the tune of $17,959!

Now the homeowner's association has filed legal docs -- obtained by TMZ -- requesting that her bank account be frozen and the money that goes in gets diverted to pay her homeowner's bills. Fact is ... the only real money she gets is from 'RHOA.'

Porsha has been strapped for cash lately ... we're told she's getting $5K a month in spousal support from Kordell Stewart, but apparently that's not nearly enough to make ends meet.

We're told Porsha is living with her mom now. At least the price is right.