THE REASON T.O. SHOULD HAVE WORE CONDOMS....

Terrell Owens' financial situation is so dire, he filed papers in three separate child support cases to have his payments lowered ... because he makes ZERO DOLLARS ... this according to court docs obtained by TMZ.

As TMZ first reported, a bench warrant was issued for T.O.'s arrest after he missed a court date with one baby mama ... to whom he's trying to lower child support payments.

Turns out ... T.O. has three OTHER baby mamas and over the past few months he's filed to have his payments reduced with two of them (and, according to his rep, he plans to file for a modification of support for the third).

For those of you counting at home, here's the scorecard ...

Baby Mama #1, Monique Reynolds
T.O. and Monique have an 11-year-old son together. According to the papers, he paid $20,000/month in support until last year, when it was reduced to $11,202. He also gave her $100,000 to buy a house.

Baby Mama #2, Kimberly Floyd
They share a 7-year-old daughter, for whom TO was ordered to pay $20,000/month for back in 2005. In 2008, they agreed to drop that to $15,000.

Baby Mama #3, Samelia Miller
Miller gave birth to a son back in 2006. He was ordered to pay $13,400/month in support.

Baby Mama #4, Melanie Paige Smith
T.O. was ordered to pay $5,000/month for their daughter back in 2007. This is the only case where T.O. has not yet requested a reduction ... though his rep says he plans to ask for a modification.

In each of the cases where T.O. is requesting a reduction in child support payments, he says in his declaration, "My currently monthly income is zero ($0)."

In the papers, T.O. also claims to pay $62,366/month for various properties and says his home in Georgia is in foreclosure. He says he put all but two of his homes up for sale.

A rep for T.O. tells TMZ, "He has tried to keep paying all of these mothers what they were used to year after year, basically putting himself into a financial crisis. He has always paid his child support payments and loves his kids."