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The judge in T-Boz‘ bankruptcy case has turned his back on the ex-TLC singer — refusing to provide ANY protection against her army of creditors … but according to court docs, it’s the singer’s own fault.

TMZ broke the story … T-Boz filed for Chapter 13 bankruptcy in October — claiming she owed $768,642.99 to multiple creditors — but last week, the judge kicked her out of bankruptcy court.

Read more here www.tmz.com