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Just a few months before Gabby Douglas won her gold medal — and opened the door to countless opportunities that will undoubtedly score her millions of dollars -– her mother filed for bankruptcy … TMZ has learned

According to documents filed earlier this year in Virginia, Natalie Hawkins filed for Chapter 13 … which is far less severe than Chapter 7. The docs state Hawkins has assets totalling $163,706.10 and debt totaling $79,754.14.

Her creditors include:

Capital One — $1,534

Student loan — $4,350.23

Sprint — $158.78

T-Mobile — $413

Orthodontist in Iowa (where Gabby trained when she was 14) — $408

With the Chapter 13 filing, Hawkins has agreed to a monthly payment plan. She began making payments of $408/month back in February … to a trustee who will divy it up among her creditors.

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