Former NFL star Bob Whitfield has 21 days to fork over $75,000 to his reality star ex-wife Sheree Whitfield for overdue child support … or else.

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According to legal docs obtained by TMZ … Bob admits he failed to make 38 monthly child support payments of $2,142 to the “Real Housewives of Atlanta” star … more than $81k.

Bob claimed he simply didn’t have the money — and had asked the court to lower his obligation … but that was denied.

Now, the two sides have struck a deal in which Bob has agreed to hand over $75k before Nov. 11 … or face the consequences in court.

In addition to the $75k, Bob has also agreed to pay $1,000 per month for the next 12 months — before reverting back to the original $2,142.

Fun Fact — Back in 2000, Whitfield signed a 6-year contract with the Atlanta Falcons in the neighborhood of $30 million.

-Story and photo via TMZ