Kroy Biermann's failure to respond to a repo case filed against him has finally reached its breaking point -- 'cause a judge just ruled he's gotta fork over his Rolls-Royce.
According to new court docs, obtained by TMZ, the former NFLer had a default judgment entered against him over the luxury car ... which he'd been leasing since 2020. BMW alleged he'd recently ghosted them on payments ... and filed a lawsuit so it could repossess the sweet ride.