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Someone call a doctor ... because former "ER" star Mekhi Phifer is broke as hell.

Phifer filed for full blown bankruptcy late last month, claiming roughly $67,000 in assets ... as he drowns in debt totaling around $1.3 Mil.

Maybe he should have seen it coming. Phifer says in his legal docs --- he spends around $11,600 in monthly expenses, but pulls in only $7,500.

His debts are impressive ... $1.2 mil in back taxes, $50K in lawyers bills and $4,500 in back child support.

The silver lining ... Mekhi's small list of assets is pretty sweet -- including a LEATHER BED, a 12-year-old Segway (valued at $1,500), and a surprisingly large collection of firearms (1 shotgun and 2 9mm pistols).

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