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Rick Flume

Chapter 7 bankruptcy Attorney at San Antonio, TX

4.9   16 reviews

also known as Richard Arthur Flume

  • Licensed for 32 years
    State TX
    Acquired 1991
    Eligible to Practice in Texas No misconduct found

We have not found any instances of professional misconduct for this lawyer.

About Rick

Learn Rick’s areas of practice.

Practice area
  1. Chapter 7 bankruptcy
    Chapter 7 is the form of bankruptcy where there is no monthly payment to a trustee. (Chapter 13 is the form of bankruptcy where there is a monthly payment to a trustee for 3 to 5 years.)

    24 years

I'm not a coat-and-tie lawyer, or a tall-office-building lawyer.  Instead, I'm relaxed, down-to-earth and good at explaining complex legal matters in ways that everyday people can understand.  


Here's why I don't wear the coat and tie:  Each time I've had an initial consultation with a client right after I get back from court and I still had on a tie, the client is more nervous and the "atmosphere" feels tense.  When I noticed that happening, I would get rid of the coat and tie, and then I noticed that the clients became more relaxed.


My general advice for people with legal problems, especially debt problems, is this: Look at all of your options, including options you don't think you'd like.  See where you're going to be with each option five years down the road, then pick the option that's best for you.  You want to "rise above the tree-line" to see where each road/option takes you, and if you can't go all the way down a certain road, then why take one step in that direction?  Taking a road that's just going to be a dead-end wastes your time and money.    

Photos and videos


Rick Flume, Bankruptcy Attorney
900 NE Loop 410, Suite E105
San Antonio, TX, 78209

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4.9 / 5.0
  16 customer reviews
5 Star
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1 Star
Posted by Eve | January 17, 2024
This review is from a potential client who consulted with this attorney.
| Consulted Attorney
Good guys hard to find!
Mr. Flume is an intelligent and nice business Man. Much Thanks honesty is hard to find. Thank you Eve!
Posted by Mary | October 11, 2022
This review is from a person who hired this attorney.
| Hired Attorney
Starting a New Life
I really want to thank Rick Flume for his assistance and helping me to make a very important decision concerning my finances. He provided so much information and covered all the options which helped me decide on just the right plan that would help me in getting debt relief during such a challenging time in my life. The time when Covid 19 occurred, it impacted me in such a big way and becoming unemployed took me to a very hard place along with many others who were also greatly affected in this time period. His book “Bankruptcy Made Simple to Understand” is an excellent source explaining in depth about bankruptcy options as well. I highly recommend Mr. Flume to anyone facing financial difficulties. He will truly listen to you with his professional ear and help you reach the best outcome for your situation. Thanks again Mr. Flume.
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Posted by Celestino | April 19, 2021
This review is from a person who hired this attorney.
| Hired Attorney
I highly recommend Mr. Flume he makes you feel safe.
Mr. Flume was absolutely exceptional! Easy to talk to, walked the steps and personally called me right away after my trustees meeting, That was very kind of him!! He didn’t have to do that yet he did and that to me meant a lot!! The best customer service I've ever received, especially considering the nature of the call. If someone makes you feel comfortable while filing a BK, well that's beyond great. In addition, Mr. Flume was equally easy to work with. The fees were reasonable. His law firm service is very expedient. He is honest, humble, caring and very helpful! I absolutely recommend Mr. Flume! He will not let you down! Thank you so much Mr. Flume!!!
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Posted by Sandy | January 27, 2017
This review is from a potential client who consulted with this attorney.
| Consulted Attorney
Sometimes, there is light at the end of the tunnel.
Meeting with Mr. Flume was such a pleasure, and an all around great experience! I'm sure most attorney's seldom have clients leaving their office feeling that way. Mr. Flume is very informative, very kind, and very patient, as I had many questions, some of which I asked more than once. He took his time explaining in great detail all of the information I needed to have. As it turned out, I did not need to move forward with a bankruptcy. Even after he realized that I did not need to hire him, he continued to give me great information which gave me peace of mind. Mr. Flume is a man of integrity, sincerity, and true kindness. I highly recommend him to anyone, and everyone needing help with their financial issues.
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Posted by John | February 24, 2015
Life after Bankruptcy
Life after Bankruptcy gets easier every day, since our Bankruptcy was discharged a year ago we have found out that we do not need credit cards or even a car payment, we pay for everything with cash, if we do not have the money we save until we have the money and we pay for it with cash. After I was no longer able to work, and we depleted most of are savings in the amount of $20,000.00 dollars paying our bills trying to avoid filing Bankruptcy. When we could not pay our bills because the money ran out we contacted Flume and associates to help us file Bankruptcy. Mr. Flume and his staff were very helphul from the initial consultation through the entire bankruptcy process. We would recommend Flume and Associates to anyone who needs help in filing Bankruptcy.
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Posted by Michael | February 22, 2015
chapter 13 should I
Mr Flume set down with me looked at my problems . Talk to me about chapter 13 should I file ? After spending about 1 hour with me . And instead of taking my money and filing my case he should me what I can do and how to do to get my self back on track . What a honest man . Thank you .
Posted by anonymous | February 16, 2015
Bankruptcy Information
Mr. Flume, was excellent in explaining all the options I had to file for bankruptcy. He did not rush me and was easy to understand. He answered all my questions and gave his suggestions. I left his office completely satisfied and appreciated all the information.
Posted by anonymous | February 4, 2015
Chapter 7
I was very nervous about chapter 7 bankruptcy after talking to Mr Flume I now have a better understanding. I enjoyed my visit and I'm so happy I decided to go with him. He's very helpful and takes the time to answer your questions.
Posted by Trish | January 27, 2015
Highest Integrity
Mr. Flume was extremely knowledgeable and helpful. Even though he was not able to handle my specific case, he took the time to explain the bankruptcy process and gave me several referrals to attorneys who would be able to assist. He obviously is a man of integrity and I would highly recommend Mr. Flume.
Posted by Tina | December 14, 2014
Informative attorney
I recently had a free consultation with Mr. Flume. I went into the meeting expecting to file for bankruptcy...however Mr. Flume walked me through all the different options and we decided against bankruptcy. He actually wanted to help us make the best choice for US and not for HIM which was refreshing!! Couldn't have asked for a better meeting!!
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Posted by Kristen | November 22, 2014
New beginning
Not that I would recommend bankruptcy, but unfortunately I had no other choice. My experience with Mr. Flume and case manager, Yvonne, was excellent. Everything was professionally handled and filed within a few weeks. It's a relief knowing I get a fresh start because of his office. They cared and made the process as quick and painless as possible.
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Posted by Jennifer | November 1, 2014
Honest and informative
Rick Flume spent several hours with me during our initial consultation. He advised me and gave me important information so I could make an educated decision. I was truly thankful for his time! Don't waste your time with any other attorney!
Posted by Ken | October 30, 2014
Professional and Caring Attorney and Staff
Rick and his staff have been amazing through this tough process. Going through financial trouble is mentally draining as it is, and when you come to terms with your options, they can be very tough to swallow. Rick made it a lot easier to deal with. Very caring and understanding. We are extremely grateful and glad we sought out his help.
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Posted by anonymous | October 19, 2014
Initial Visit
After talking to another lawyer I did not feel good about filing bankruptcy, but after talking to Mr Flume I left his office feeling relieved. He explained the whole precedure to me from beginning to end, and he did not judge me about my debt situation. When the time is right I will be retaining his services and I know I will be in good hands.
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Posted by Jesse | September 24, 2014
Initial consultation visit
Mr. Flume exceeded my expectations of what it takes to be an attorney at law. He clearly explained to me; options my spouse and I have on whether to file or not. He really seemed to care about our debt situation and what steps we would need to take to resolve and move forward to financial freedom. My visit to Rick Flume's law firm was peaceful, pleasant, and very professional!
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Posted by anonymous | November 15, 2014
Great Meeting
Rick was very thorough and helpful. He explained the details very clearly, and helped us to reach conclusions. I would definitely recommend him to others.
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  • Free Consultation 30 minutes
Payment methods
Cash, Check


AVVO RATING 9.6 (Superb)

Work Experience

  • Bankruptcy Attorney
  • Rick Flume, Bankruptcy Attorney
  • 2000 - Present
  • Judicial law Clerk
  • Western District of Texas
  • 1995 - 2000
  • Prosecutor
  • Travis County Prosecutor
  • 1992 - 1993
  • Prosecutor
  • Cameron County Prosecutor
  • 1991 - 1992
View all work experience


  • St. Mary's University School of Law
  • Doctor of Jurisprudence/Juris Doctor (J.D.)
  • 1990
  • University of Texas System, Austin
  • BBA - Bachelor of Business Administration
  • 1985


  • San Antonio Bankruptcy Bar Association
  • Member
  • 2000 - Present
  • State Bar of Texas
  • Member
  • 1991 - Present
  • San Antonio Bar Association
  • Member
  • 1991 - Present

Languages Spoken

  • English

Honors and Awards

  • SA Lawyers: Best of 2012 (Bankruptcy)
  • SA Scene Magazine
  • 2012


Speaking Engagements

  • Finding Financial Freedom: Teaching Your Loved Ones To Avoid Financial Mistakes
  • Money Management
  • 2013

Attorney endorsements

Received (10)
Given (9)
Endorse Rick
Bankruptcy and debt Attorney | Mar 22
Relationship: Fellow lawyer in community
"Richard is an excellent attorney committed to providing the highest quality representation to clients. I endorse this attorney without reservation."
Bankruptcy and debt Attorney | Aug 11
Relationship: Fellow lawyer in community
"I endorse this lawyer. Great attorney, willing to give it to the client straight, and also willing to help clients with their best option, regardless of whether he ends up doing a deal with them or not."
Chapter 13 bankruptcy Attorney | May 10
Relationship: Fellow lawyer in community
"I endorse this lawyer. I met Rick at the Pete Barry FDCPA bootcamp and another attorney event. Very knowledgeable and can even help with estate planning issues post bankruptcy."
Bankruptcy and debt Attorney | May 03
Relationship: Fellow lawyer in community
"I have the honor of being in a mastermind group with Rick that meets four times a year in person. Rick is an impressive attorney who aggressively fights for his clients fresh start. If you live in Texas and are considering Bankruptcy do yourself a favor and meet with Rick. You won't regret it."
Bankruptcy and debt Attorney | Oct 19
Relationship: Fellow lawyer in community
"I endorse this lawyer."
Chapter 7 bankruptcy Attorney | Oct 09
Relationship: Fellow lawyer in community
"I endorse this lawyer."
Bankruptcy and debt Attorney | Oct 03
Relationship: Fellow lawyer in community
"I endorse this lawyer."
Bankruptcy and debt Attorney | Oct 02
Relationship: Fellow lawyer in community
"I endorse this lawyer."
Bankruptcy and debt Attorney | Apr 30
Relationship: Fellow lawyer in community
"I endorse this lawyer's work. Rick is a hardworking attorney who understands the difficulties of today's economy and strives to get a good result for his clients."
Bankruptcy and debt Attorney | Sep 24
Relationship: Worked together on matter
"Rick is an excellent bankruptcy lawyer and out of concern for his clients, has become excellent at avoiding bankruptcy by defending debt collection suits and protecting non-exempt assets. I regularly refer clients to him."
View more endorsements
Debt collection
Bankruptcy and debt
Divorce and separation
Bankruptcy and debt
Bankruptcy and debt