Rick Flume, Bankruptcy Attorney - San Antonio, TX
Rick Flume, Bankruptcy Attorney is a dedicated consumer bankruptcy law practice in San Antonio, Texas, led by attorney Rick Flume. With over 30 years of legal experience and more than 7,000 bankruptcy cases resolved since 2000, the firm provides compassionate, down-to-earth representation for individuals seeking debt relief through Chapter 7 and Chapter 13 bankruptcy.
Dedicated Bankruptcy Representation in San Antonio
Experiencing financial hardship, job loss, medical debt, or divorce can cause severe stress. Rick Flume, Bankruptcy Attorney has helped San Antonio residents navigate debt relief with dignity and clarity since 2000. A graduate of St. Mary University School of Law and UT Austin, Rick Flume previously served as a federal briefing attorney in the U.S. District Court for the Western District of Texas. Unlike high-pressure firms, Rick Flume provides a relaxed atmosphere where clients receive honest guidance. Whether you need to hire an attorney to eliminate credit card debt or find a lawyer to save your home from foreclosure, the practice delivers dedicated advocacy tailored to your needs.
Chapter 7 Liquidation and Debt Elimination
Chapter 7 bankruptcy offers a fresh start by wiping out dischargeable unsecured liabilities while allowing debtors to keep essential possessions under Texas exemption laws.
- Complete debt discharge: Eliminating unsecured debts including credit card balances, medical bills, and personal loans without repayment obligations.
- Protecting your assets: Applying Texas property exemptions to protect your home, retirement accounts, vehicles, and household goods.
- The automatic stay: Stopping collection calls, creditor lawsuits, bank garnishments, and repossession efforts immediately upon filing.
- The bankruptcy means test: Evaluating household income and family size to determine Chapter 7 eligibility under federal guidelines.
Chapter 13 Debt Reorganization and Foreclosure Defense
When foreclosure notices or repossession threats arrive, you need a lawyer urgently to invoke federal bankruptcy protections. Chapter 13 provides a structured court-supervised plan to catch up on delinquent secured debts.
- Stopping home foreclosure: Halting pending foreclosure sales and allowing homeowners to cure mortgage arrears over three to five years.
- Preventing vehicle repossession: Protecting cars and trucks from repossession while restructuring loan balances and interest rates for qualifying vehicles.
- Consolidated payment plans: Combining past-due taxes and delinquent debt into one manageable monthly payment based on your actual income.
- Court-supervised protection: Shielding co-signers and providing complete protection from creditor collection actions throughout the repayment plan.
Personalized Guidance from an Experienced Solo Practitioner
At Rick Flume, Bankruptcy Attorney, clients work directly with Rick Flume rather than junior associates. Having personally handled over 7,000 bankruptcy petitions across Bexar County and 21 surrounding South Texas counties, attorney Flume explains complex legal concepts in clear everyday language. Clients receive an honest analysis of their finances during the initial meeting, including situations where non-bankruptcy options represent the wiser path.
Schedule a Free Debt Relief Consultation Today
Overcoming serious financial difficulties begins with understanding your legal rights. If you are ready to consult an attorney regarding consumer debt relief in San Antonio, contact Rick Flume, Bankruptcy Attorney today to arrange your free bankruptcy consultation and receive a copy of his book, Bankruptcy Made Simple To Understand.
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Location & Access
Primary Address
Located in the charming and established Alamo Heights area in the North East corridor of San Antonio.
Building Location
Situated in the historic Petroleum Center Complex, a unique mid-century multi-building office park originally constructed in 1960. The complex is nestled on the NE Interstate 410 Loop frontage, conveniently positioned between local dining landmarks like the Magic Time Machine Restaurant and the Frontier Burger Restaurant.
Parking Details
Complimentary visitor parking is available in the spacious on-site surface parking lot situated at both the front and rear of the complex, with easiest access from Crownhill Dr.
Public Transit
Served by VIA Metropolitan Transit Route 552 (Eastbound/Westbound); nearest stop is at Loop 410 E. Access Rd. & Crownhill.
Accessibility / Suite Access
Park in the front lot near the flagpole and walk down the covered outdoor path to Building E, or use the rear lot off Crownhill Dr for direct entry. Enter the ground floor of Building E to find the office in Suite E111.