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Aaron Phypers says he's on the path to being homeless without a car or a cell phone, unless a judge steps in ... he says the bills have stacked up to the six figures and he desperately needs an earlier hearing in their divorce case to get access to some money.

In new legal docs, obtained by TMZ, Denise Richards ' estranged husband says he's begging friends for money to afford food, and his pickup truck is subject to repossession ... and he says he's in danger of being evicted "at any time." Getty

Aaron's financial situation sounds dire ... get a load of what he says he needs to come up with "to survive" ... $125,000 for past due rent; $10,090 for past due HOA fees; $3,543 in past due water bill for reconnection; $13,000 past due gas for reconnection; $12,000

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