BANK SUES BOW WOW FOR $25,000 OVER HIS LAMBO!

It costs roughly $25,000 to repossess and sell a rapper's Lamborghini -- at least according to a Georgia bank, which is now suing Bow Wow for money it spent flipping his ride.

SunTrust Bank filed the lawsuit against Bow Wow -- real name Shad Moss -- claiming he took out a $300,165 business loan, agreeing to 84 monthly payments of $4,730.

According to bank records filed with the lawsuit, Bow Wow fell behind last year. The docs show the bank repossessed the rapper's Lamborghini Murcielago -- and managed to get $161,000.

You'd think that would be the end of it -- but the bank tacked on more than $25,000 for "repossession expenses."

According to the lawsuit, Bow Wow still owes the bank $21,371 -- and the bank wants every penny.

Bow Wow is also being chased down by a collection agency over a $283,000 judgment against him, stemming from a Ferrari he stopped making payments on.

Sources close to Bow Wow tell TMZ, the rapper attributes all his money issues to his crappy ex-management team. We're told he has since cleaned house and is now working to fix his financial mess.

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