t-boz*T-Boz isn’t happy these days after a judge denied her ‘immunity’ from creditors.

The singer filed bankruptcy in October, after accumulating $700,000 in debt. But the judge didn’t see her make any effort to repay the money.

So the annoying phone calls won’t stop and her assets aren’t protected.

However, she has 180 days to either work a deal out or re-file.