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Rick Flume, Bankruptcy Attorney: A San Antonio Solo Practice That Literally Wrote the Book on Making Bankruptcy Understandable

Richard “Rick” Flume did not just build a reputation for explaining bankruptcy in plain English — he wrote it down. His book, “Bankruptcy Made Simple to Understand,” is cited by multiple clients in their own reviews as a resource that helped them decide whether to file at all, a documented case of client-facing legal education outside the billable hour.

Origin and Background

Rick Flume, Bankruptcy Attorney is located at 900 NE Loop 410, Suite E-111, San Antonio, TX 78209, confirmed through Flume’s own State Bar of Texas member record. Richard Arthur Flume earned his Doctor of Jurisprudence from St. Mary’s University School of Law and has more than three decades of legal experience, with a practice built specifically around making bankruptcy understandable since 2000. He is admitted to practice before the Texas Western Bankruptcy Court and the Texas Western District Court.

Practice Concentration

The practice is a solo consumer bankruptcy firm handling Chapter 7 liquidation, Chapter 13 repayment plans, and related debt relief matters including foreclosure, exemptions, credit card debt, and debt consolidation for individual filers. Flume is a member of the State Bar of Texas, the National Association of Bankruptcy Attorneys, the San Antonio Bar Association, and the San Antonio Bankruptcy Bar Association. See this San Antonio Bankruptcy & Debt directory for how this solo consumer-focused practice compares to the business-reorganization and multi-attorney firms also serving Bexar County.

Notable Work / Track Record

As is typical for a solo consumer bankruptcy practice, the firm does not publish a table of case results, and Awesome Attorneys did not identify one — outcomes in Chapter 7 and Chapter 13 cases are governed by the means test and repayment schedule rather than negotiated settlements. What is independently verifiable is Flume’s authorship of “Bankruptcy Made Simple to Understand,” a book multiple clients specifically cite in their own reviews as having helped them understand their options before deciding to file, and his multi-decade, single-practice-area focus on consumer bankruptcy.

Client Voice

Client reviews across Avvo and Yelp are consistently positive and specific, repeatedly naming both Flume and his legal assistant, Samantha, for responsiveness and follow-up — including one review describing Flume personally calling a client right after a creditors’ meeting. Reviewers describe him as patient, knowledgeable, and willing to tell clients in a free consultation when his services are not actually necessary for their situation. Awesome Attorneys did not identify a pattern of negative or critical reviews warranting disclosure.

Beyond the Courtroom

Flume’s clearest form of public-facing service outside individual case work is his consumer-education book explaining bankruptcy to a general audience, along with active membership in the National Association of Bankruptcy Attorneys and both the city and state bar associations. Awesome Attorneys did not identify separate non-legal civic or nonprofit board service documented for him.

Recognition for This San Antonio Bankruptcy Attorney

Awesome Attorneys did not identify Texas Board of Legal Specialization certification for Rick Flume and does not apply “specialist” language on that basis. His recognition instead rests on sustained, high-volume positive client feedback across multiple review platforms and his standing as a published author within his own practice area — credentials distinct from, and not a substitute for, formal board certification.

Texas Legal Backdrop

Consumer bankruptcy filers in San Antonio’s Western District of Texas qualify for Chapter 7 based primarily on a means test comparing their trailing six months of income to the Texas median for a household of their size; filers above the median may still qualify after allowed-expense deductions or may be directed toward a Chapter 13 repayment plan instead. Chapter 7 carries no ongoing monthly payment to a trustee, which is one reason most eligible Texas filers choose it over Chapter 13 when the means test allows. None of this is legal advice; a specific bankruptcy filing should be evaluated by a licensed Texas attorney based on the actual facts and finances involved.

Awesome Attorneys Assessment

Rick Flume’s clearest differentiator is a genuinely client-education-oriented solo practice, evidenced by a published book that clients independently cite as having shaped their filing decision, paired with consistently specific, named praise for both attorney and staff across review platforms. The honest trade-off is that Awesome Attorneys did not identify TBLS board certification for Flume, and as a solo practice its capacity is necessarily smaller than multi-attorney firms in this category. For a Bexar County filer who wants a plain-English, high-touch consumer bankruptcy practice with a documented client-education track record, that combination is a reasonable basis for a shortlist.

Methodology and Sourcing

This profile was researched from Rick Flume’s official website (flumelaw.com), his State Bar of Texas member record, his Avvo and Yelp client review pages, and third-party legal directory listings documenting his book and professional memberships.

Publisher Disclosure and Independence Notice

Awesome Attorneys is an independent legal directory and editorial publication. This profile was not paid for, commissioned, or reviewed by Rick Flume, Bankruptcy Attorney prior to publication. Awesome Attorneys may in the future offer sponsored placement products to attorneys and firms, including this one, but sponsorship has no bearing on the editorial content, inclusion, or findings of this profile.